Auto and Personal Recreation Insurance
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Personal Auto Insurance
Personal automobile insurance covers private passenger vehicles. It provides protection against economic loss to an insured from bodily injury or property damage to others (liability) arising from the operation, maintenance, or use of a covered automobile. Coverage may also be purchased for damage to vehicles owned by you (Collision & Other than Collision).
When shopping for a policy, beware of terms such as “full coverage” and “what’s required.” What one considers “full coverage” or “what’s required” may differ from one person to the next. You should determine the type and amount of insurance you need. The following is the most common coverage available in Florida.
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Classic Car Insurance
Classic car insurance is a specific type of car insurance policy, designed for the special needs involved in owning and driving classic cars. As a general rule, if a car’s value exceeds its original selling price then it may be considered a collectible or classic.
A classic car insurance policy will typically include some of the same coverages and provisions as a standard car insurance policy, but there will also be some key differences. For example, while a standard car depreciates in value with age, a classic car appreciates or gains value with age.
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Motorcycle Insurance
Motorcycle insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise from the actions of the motorcycle driver.
Motorcycle insurance may also offer financial protection against theft of the motorcycle and damage sustained from things other than traffic collisions.
Airplane Insurance
While there are no federal or state regulations requiring aircraft insurance, FBOs usually require your aircraft be insured to use their facilities.
If you’re planning on flying internationally, however, you’ll need additional international liability coverage. The amount of insurance coverage you need depends on the size and type of aircraft that you have, as well as the equipment you have on board.
Below we break down a few of the insurance requirements you may encounter as an aircraft owner.
Boat Insurance
When it comes to insuring your boat, it’s often best to separate your boat insurance from your homeowner's policy. Many homeowners’ policies limit or don’t cover marine-specific risks, such as salvage work, wreck removal, pollution or environmental damage; but there are exceptions.
Many homeowners policies include perfectly good coverage for smaller boats and motors, usually with a horsepower limit of from 25- to 100-horsepower.
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Recreational Vehicle Insurance
Purchasing any car insurance is good. However, purchasing a policy that covers an RV is what you need to have peace of mind.
Purchasing any car insurance is good. However, purchasing a policy that covers an RV is what you need to have peace of mind.
However, before purchasing a Good RV insurance, you need to get the basics right. On these lines, this guide is going to take you through the basics of RV insurance—including the benefits, tips, and tricks, as well as types of Good Sam RV insurance covers. Keep reading.
All Terrain and Utility Terrain Vehicles Insurance
ATV/UTV insurance coverage can help protect you in the event of an accident or other type of damage. An ATV insurance policy typically consists of liability, collision and comprehensive coverage options, as well as add-on coverages such as uninsured/underinsured ATV coverage. Like other types of power sports insurance, the amount of coverage you have depends on the policy limits you select.
Drone Insurance
Most drone operators start out with little or no aviation experience so, even if you follow the regulations and the laws, you might experience pilot error, or unplanned equipment failure. With some models tipping the scales of up to 55 pounds, rogue drones can pose a significant threat to people and property—and to your personal liability. That's why it’s a smart to add an insurance review to your pre-flight checklist.
