5 Insurance Policies You Didn’t Consider – Use Them to Keep You and Your Family Safe

Want gaps in your coverage that leave you underinsured and vulnerable?

Yea, we don’t either.

The reason you buy insurance is to ensure you’re covered in the event of an accident or loss.

Here are 5 policies you should have in place to ensure you are fully covered.

Policy #1: Boat

Insure your boat against damage and loss caused by common risks, such as sinking, fire, storms, theft, and collision.

The property covered can vary, but the policy will usually cover the hull, other permanent components, and the following:

• If your boat is damaged from sinking.

• A fire occurs and causes damage.

• Your boat is stolen.

• Your boat is damaged by a storm.

• Your boat is damaged in an accident.

• Capsizing — Your boat is overturned in the water and damaged.

• An explosion occurs and damages your boat.

• Stranding — You are stranded with your boat.

Policy #2: Motorhome

Motorhome insurance allows you to insure your RV or truck/van campers against damage and loss caused by common risks, such as fire, storms, theft, and collision.

The property covered can vary, but the policy will usually cover the following:

• Bodily injury to yourself because of an accident with an uninsured motor vehicle.

• Damage to your motorhome caused by an accident.

• Theft, fire, vandalism, and other losses even while your motorhome is in storage.

• Emergency Road Service in the event of a breakdown while traveling in your motorhome.

Policy #3: Motorcycle

From bodily injury and property damage to theft and emergency expenses, our motorcycle insurance offers more coverage options as a standard. So you only need to add extra coverage if you need to. Here’s an idea of the kind of motorcycle coverage you can expect from us:

• Bodily injury to someone else or damage to someone else’s property for which you are legally responsible while riding your motorcycle.

• Bodily injury to yourself because of an accident with an uninsured motorist.

• Theft, fire, vandalism, and other losses — even while your motorcycle is in storage for the winter.

• Custom motorcycle work, such as paint or upgraded components.

• Attached sidecars.

• Emergency roadside expenses.

• Damage to protective gear.

• Trip interruption expenses.

Policy #4: Off Road Vehicles

Types of off-road vehicles insured include: all-terrain vehicles, dune buggies, golf carts, mini bikes, snowmobiles, and trail bikes.

What Does Off-Road Insurance Cover?

If an accident were to happen, off-road insurance can protect you from the following:

• Bodily injury to someone else or property damage that you accidentally caused while driving your off-road vehicle.

• Bodily injury to yourself because of an accident with an uninsured rider.

• Damage to your snowmobile, golf cart or ATV caused by an accident.

• Theft, fire, vandalism, and other losses even while your snowmobile is in storage.

Policy #5: Classic Car

Do you have a classic car that you have restored back to mint condition?

Maybe you have invested $25,000 to get the vehicle back to this condition.  

If you add this vehicle to your regular auto policy, you will have coverage for liability along with comprehensive and collision coverage you may add.

However is the coverage adequate?

Will it help you replace the vehicle back to the restored condition?

Most likely not as most auto insurance policies will provide you with an actual cash value amount if the vehicle was a total loss in an accident.

This means the insurance company will pay the current value minus depreciation.

When it comes to classic cars it is crucial to have a policy that has coverages tailored to a vehicle that has been restored or modified. Most policies will offer stated value coverage.

Here’s an idea of the kind of classic car coverage you can expect from us:

• Liability

• Medical Payments/No-Fault

• Comprehensive

• Collision

• Uninsured Motor Vehicle/Underinsured Motor Vehicle

• Emergency Road Service

When you choose antique or classic car insurance with us, you and the insurance provider will agree on the value of the car.

If the car experiences a total covered loss, we will pay the agreed-upon value, rather than the actual cash value of the car as long as there is no prior damage to the car, parts have not been removed, and the car’s condition has not deteriorated because of abuse or neglect.

How I Get The Best Coverage?

The next step to ensuring you and your family are properly insured is calling your local Sacramento insurance agents for a quote at 800-807-6871





Or Click the Button Below For a Quote Online.











We at Cliff Cottam have provided insurance services for individuals and business clients since 2004. We value you as our customer and will not settle for anything less than superior service.

 











We are an independent agency, which means that we represent numerous insurance companies such as Mercury, Progressive, Travelers, The Hartford, and Safeco.

Because we can select from different providers, our agents can find the best insurance policies at competitive rates, and are able to tailor to your specific needs.  





Sources: State Farm