What could be worse than carrying inadequate coverage if you’re in an accident while you’re enjoying your motorized toys?
Do you have Recreational Vehicles? If so, then they need to be insured, and not just for the minimum legal limits.
Motorcycles – While you are required by law to carry the same minimums as auto insurance (in New York, it’s $25,000 and $50,000 for liability and $10,000 for property damage), that’s not enough.
Also, keep in mind, your risk of getting hit is high compared to you hitting another. If the person who hits you does not have enough insurance, you could be stuck with a high medical bill.
Let us work for you to get the best protection for the lowest possible price.
Motorsports – When you add personal watercraft (PWC), all terrain vehicles (ATV’s) and snowmobiles to your collection, remember their power. It is crucial to insure them. Take comfort in the fact that insurance for most motorsports machines is not expensive.
Motor Homes – This useful vehicle comes with special insurance needs. For example, you might consider insuring the furniture, fixtures and appliances plus obtaining coverage for emergency living expenses.
Gerard P. Smith – Veteran Rochester Insurance Professional
We’ve been insuring the residents of Rochester and the surrounding areas since 1966, so we’ve become experts at protecting all three of the Recreational Vehicles listed above. As an independent insurance agency, we represent several companies and will work on your behalf to find the best possible insurance value.
For you, our valued client, this means we’ll do the research for you while staying in consultation with you. The policy you receive will be one to protect you for the life of your motorcycle, motorsports machines and motor home.
Complete the form on this page for a no-obligation, convenient quote.
Or, if you prefer, call us at 585-872-5700 for quick answers to any questions you might have.