February 24, 2018
CAI Insurance Agency

Boats, RV's, ATV's, Jet Ski's

Miscellaneous - IMA902.jpgWe all love our “toys”... our boat, RV or motorcycle can often rank among our most prized possessions.  Unfortunately, insuring a jet ski properly isn’t as easy as hopping on for a ride.  If your current agent hasn’t taken the time to talk with you about how, when, and where you use your bike, boat or jet ski, you could find yourself in a heap of trouble.  You could be left holding the bag for physical damage to your boat if you use it in an area restricted by your policy.  Even worse, you could find yourself responsible for someone who is injured while riding with you.

We take the time to understand how and where you use your equipment.  There are many ways to write policies for boats, RV’s, motorcycles and jet ski's.  Some offer discounts if you are willing to restrict the times you use your toys (known as lay up periods).  If you know you’ll never break out your bike on the first sunny day in February, why not take advantage of the discounts available from most motorcycle insurers?  Some agents won’t ask – they’ll remove the discount, provide year round coverage, and move on because it’s easier and quicker for them to do so. 
 Insuring RV’s and boats can be tricky due to the modifications and customizations that are made to these vehicles. We make it our goal to help you understand the provisions of the policies we offer.  For example: will you receive actual cash value or full replacement cost for the damage to your vehicle?  Many times this is based solely on the age of the boat or RV.  Knowing how your policy will respond BEFORE the claim happens is half the battle.