Seasonal Vehicle Coverage

April 8, 2015 at 9:00 AM | Posted in Auto, Camper, Insurance Policy, Motor Home, Motorcycle, Personal Property, RMV, Seasonal, Specialty Policy, Travel Trailer | Leave a comment
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It is that time of year again. The motorcycles, campers, and collector cars and other recreational vehicles are starting to make an appearance now that the weather is better. Here are some insurance reminders before you take them out:

Motorcycles: If you decreased your coverage when you put your motorcycle away last winter, don’t forget to increase coverage before taking a ride. When deciding what coverage to put on your motorcycle, Medical Payments is very important to you and anyone that is on your bike at the time of an accident.

Campers: They can be covered under your auto policy, but you will get much better coverage at a comparable price if you insure your camper on a travel trailer policy. It includes things like towing and roadside assistance, accessory coverage for awnings, etc… and campsite liability if stationary.

Collector Cars: If you have a classic or collector car that is at least 15 years old, you will want to make sure you have collector car insurance coverage. The coverage is designed for the special needs of the car collector. It covers everything your regular auto policy will cover in the event of a loss but the method of determining the value is an agreed value rather than an actual cash value — there is no reduction taken for depreciation. Since a collector or classic car is only driven for a short period of time each year, the premium is usually much lower than a regular auto policy.
Off Road Vehicles: Whether you drive an ATV or a golf cart, you could potentially injure someone or cause property damage. You need coverage that will respond to any situation. Some of the extras on a recreational vehicle policy include: Equipment coverage, helmet and safety apparel, and trailer coverage.

Watercraft: Boats of all sizes and jet skis need the proper coverage as well. Physical damage to the vessel, liability to other boaters, medical payments, and trailer coverage are just some of the coverages available under a watercraft policy.

No matter what your passion is, make sure you and your family are protected with the right coverage before you experience a loss.

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WINTERIZING YOUR SUMMER TOYS

September 10, 2014 at 3:00 PM | Posted in Auto, Camper, Motor Home, Motorcycle, Seasonal | Leave a comment
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Your motorcycles, classic cars, and boats have contributed to your summer fun. Can you believe that the time to winterize them is just around the corner? Here are some tips to keep in mind:

CARS & MOTORCYCLES:

  • Change the oil and filter
  • Fill the tank with fresh gas and use a stabilizer
  • Make sure the coolant levels are proper
  • Use a battery maintainer or remove the battery
  • Put the vehicle on stands if possible, otherwise, inflate the tires to the proper pressure
  • Wash the vehicle to remove any dirt, especially underneath and in the wheel wells
  • Cover openings such as exhaust pipes and air intakes to prevent animals from nesting
  • For indoor storage open a window slightly, for outdoor storage use a cover

BOATS:

  • Store boats stern down
  • Open all valves and drains
  • Use a fuel stabilizing additive
  • Drain the fresh water tank and heater and use anti-freeze
  • Provide structural support under covers and tarps
  • Remove electronics and cushions and store inside
  • Put moisture absorbers in the cabin

Winterizing your summer toys properly during the long, cold winter months will help ensure that you get to enjoy them again next year.

Seasonal Vehicle Coverage

April 9, 2014 at 9:04 AM | Posted in Auto, Camper, Insurance Policy, Motor Home, Motorcycle, Personal Insurance, Personal Property, Specialty Policy, Travel Trailer | Leave a comment
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It is that time of year again. The motorcycles, campers, and collector cars and other recreational vehicles are starting to make an appearance now that the weather is better. Here are some insurance reminders before you take them out:

  • Motorcycles: If you decreased your coverage when you put your motorcycle away last winter, don’t forget to increase coverage before taking a ride. When deciding what coverage to put on your motorcycle, Medical Payments is very important to you and anyone that is on your bike at the time of an accident.
  • Campers: They can be covered under your auto policy, but you will get much better coverage at a comparable price if you insure your camper on a travel trailer policy. It includes things like towing and roadside assistance, accessory coverage for awnings, etc… and campsite liability if stationary.
  • Collector Cars: If you have a classic or collector car that is at least 15 years old, you will want to make sure you have collector car insurance coverage. The coverage is designed for the special needs of the car collector. It covers everything your regular auto policy will cover in the event of a loss but the method of determining the value is an agreed value rather than an actual cash value — there is no reduction taken for depreciation. Since a collector or classic car is only driven for a short period of time each year, the premium is usually much lower than a regular auto policy.
  • Off Road Vehicles: Whether you drive an ATV or a golf cart, you could potentially injure someone or cause property damage. You need coverage that will respond to any situation. Some of the extras on a recreational vehicle policy include: Equipment coverage, helmet and safety apparel, and trailer coverage.
  • Watercraft: Boats of all sizes and jet skis need the proper coverage as well. Physical damage to the vessel, liability to other boaters, medical payments, and trailer coverage are just some of the coverages available under a watercraft policy.

No matter what your passion is, make sure you and your family are protected with the right coverage before you experience a loss.

Personal Auto Policy vs. Travel Trailer Policy for Campers

June 5, 2013 at 9:05 AM | Posted in Camper, Insurance Policy, Motor Home, Personal Insurance, Personal Property, Specialty Policy, Travel Trailer | Leave a comment
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If you have a camper that you pull from location to location throughout the summer, there are many different ways you could insure it. You can add it to your auto policy with Collision and Comprehensive coverage providing you with: collision, fire, theft, and falling objects coverage at actual cash value. However, when you insure your camper on a Travel Trailer policy, you’ll get much more coverage – for example, here are some of the coverages an auto policy alone does not provide:

  • Coverage for Attached Accessories such as awnings and satellite dishes.
  • Emergency Expenses coverage that pays for lodging or travel expenses to get back home if your rig is damaged by a covered loss occurring more than 50 miles from home.
  • Campsite/Vacation liability coverage when a travel trailer is used as a secondary residence.
  • Total Loss Replacement coverage protects from the effects of value depreciation.
  • Personal Property coverage for your personal belongings within the camper.
  • Full-Timer coverage provides liability protection similar to a homeowners policy when the camper is parked and being used as a residence.
  • Fire Department Service coverage up to $500.
  • Debris Removal coverage.

In most cases, Travel Trailer policies cost the same as it would to add the camper to your auto policy. If you use your camper as a secondary residence, there may be additional coverage you need. Contact us at 888-850-9400 to discuss your individual needs.

Travel Trailer, Camper, Motor Home – It’s Special!

July 25, 2012 at 9:23 AM | Posted in Camper, Insurance Policy, Motor Home, Personal Insurance, Personal Property, Specialty Policy, Travel Trailer | 1 Comment
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Call it what you will – it’s more than your weekend escape, it is your second home. Make sure it is properly covered.

Insuring your travel trailer, fifth wheel, or motor home on a Specialty Policy vs. adding it to your Auto Policy has its perks. A Specialty Policy offers coverages that your regular auto policy does not. For instance:

  • Personal Effects/Contents provides coverage for your personal belongings that are used inside your trailer.
  • Accessories Coverage provides coverage for awnings, antennas, satellite dishes, or other attached parts for your travel trailer.
  • Emergency Expenses provides coverage for temporary housing and travel expenses, and costs to return the trailer to your home when a covered loss occurs more than 50 miles away from your home.
  • Total Loss Replacement Cost provides you with a new travel trailer of like kind and quality in the event of a total loss within the first five years of purchase. If your trailer is on a regular auto policy, a loss is always settled on an actual cash value basis, which would depreciate for how old the travel trailer is.
  • Camp/Vacation Liability provides liability coverage when a travel trailer is used as a secondary/seasonal residence.

Protector Group can identify your particular needs, finding the right policy coverages to keep you motoring in confident and secure style!

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