Comprehensive Insurance Solutions

Motorcycle insurance protects against damage or injury from collisions and theft, as well as liability for the rider's actions.

Motorcycle Insurance Coverages

• Accessory Coverage: Covers loss or damage to accessories.
• Comprehensive Physical Damage: Covers non-collision damage.
• Collision Coverage: Covers damage from accidents or overturns.
• Bodily Injury Liability: Covers injuries or deaths for which you are at fault.
• Property Damage Liability: Covers damage to others' property.
• Medical Payments: Covers medical expenses for riders involved in accidents.
• Personal Injury Protection (PIP): Covers medical expenses and lost wages (in some states).
• Uninsured/Underinsured Motorist: Covers injuries from uninsured drivers.
• Motorcycle Roadside Assistance: Provides help with breakdowns or mechanical failures.

Home insurance (also known as hazard or homeowner's insurance) provides coverage for private residences, protecting against loss or damage to the home, and its contents, and liability for accidents occurring within or outside the home.

Typical Home Insurance Coverages

Section I - Property Coverages

• Coverage A - Dwelling: Covers the home itself (excluding the land).
• Coverage B - Other Structures: Covers additional structures (e.g., garages).
• Coverage C - Personal Property: Covers personal belongings in the home.
• Coverage D - Loss of Use/Additional Living Expenses: Covers temporary living costs if the home is uninhabitable.

Additional Coverages

• Covers debris removal, tree damage, fire department charges, credit card theft, and more.
• Exclusions typically include earth movement, water damage, and war.

Section II - Liability Coverages

• Coverage E - Personal Liability: Covers damages you're legally liable for, including dog bites.

Boat insurance provides protection for your boat, its owner, and passengers in case of loss, damage, or injury while on the water. It covers all types of motorized water vehicles, including fishing boats, yachts, and jet skis.

Boating Insurance Coverages

• Liability Coverage: Pays for injuries and property damage to others in a covered accident, including pollution liability and wreckage removal.
• Collision Coverage: Covers damages to the boat, motor, trailer, and equipment caused by an accident with another boat or object.
• Comprehensive Coverage: Covers damage from events other than collision, such as fire, theft, or storms.
• Uninsured/Underinsured Boater Coverage: Protects you and your passengers from injuries and damages in accidents involving uninsured or underinsured boaters.
• Medical Payments: Covers medical expenses for injuries to you or your passengers while on the boat.
• On-Water Towing and Labor Coverage: Pays for towing and emergency services if your boat is disabled on the water.
• Fishing Equipment Coverage: Covers damage to fishing equipment while on or off the boat.
• Personal Effects Coverage: Pays for the replacement of personal property lost or damaged onboard.

If you're asking if you need renter’s insurance, the answer is likely yes. Renters' insurance provides similar benefits to homeowners' insurance, including liability coverage and protection for the tenant's personal property against risks like fire, theft, and vandalism. However, it does not cover the building itself, as that is the responsibility of the property owner.

How Much Renters' Insurance Do I Need

The amount of coverage needed depends on the value of your belongings. Consider these questions:

• How much are my belongings worth?
• Could I afford to replace them if destroyed or stolen?
• What would I do in a liability lawsuit situation?

Commercial auto insurance covers vehicles used for business purposes and the people who drive them. It provides financial protection against physical damage and bodily injury resulting from accidents involving business vehicles. This insurance is essential for vehicles owned, leased, hired, or personally used in business operations, as personal auto policies do not cover vehicles used for business.

What Does Commercial Auto Insurance Cover

• Liability Coverage: Covers damages for bodily injury and property damage to others when you're at fault in an accident.
• Collision Coverage: Pays for damages to your business vehicle due to auto accidents.
• Comprehensive Coverage: Protects against damage to your vehicle from non-collision causes, such as theft, weather, and vandalism.
• Medical Expenses: Covers medical expenses for injuries to occupants of your business vehicle.
• Uninsured/Underinsured Motorist Coverage: Provides coverage for damages and bodily injury caused by an uninsured or underinsured driver, or in the event of a hit-and-run accident.
• Physical Damage Coverage: Covers vehicles you own, lease, hire, or use in your business for damage from collisions or non-collision causes.
• Liability Coverage: Provides protection for bodily injury and property damage caused to others when you are at fault in an accident.