And we provide insurance for the following types of boats and personal watercraft:

• Runabout
• Mini Jet Boat
• Sailboat
• Pontoon
• House Boat
• Cabin Cruiser
• Other Fishing Boat
• Bass Boat
• Many others, let’s talk

How to Qualify for Classic Car Insurance:

When we submit your application for insurance, your insurance carrier may require us to provide some or all of the information below. Should you ever be in the unfortunate position of filing a claim, everything will be in order.

• Usage: It is your car and you should feel free to drive it. We will tailor your policy to reflect your driving habits.
• Storage: Your collectible car should be stored inside in a secure locked garage or structure. The following storage facilities normally qualify: residential garage, barn, secure rental storage unit, and others. Let’s talk about yours!
• Regular-Use Vehicles: Since you don’t need to drive your “baby" every day, carriers will require that you maintain “regular use” insurance in your name on a daily driver vehicle. Customarily, motorcycles do not qualify as a daily driver nor does public transportation.
• Driver Eligibility: As with other forms of auto insurance, your driving history will also be taken into account. Serious infractions within the last 5 years such as OUI, DUI, excessive speeding, driving recklessly or an alcohol citation could affect eligibility, but may not necessarily disqualify you. Minor traffic violations or accidents per household are generally acceptable.

You could also potentially need insurance to protect you from having to pay for:

• Storm damage, fire, windstorm, lightning, and hail, to name a few.
• Dog bite liability (standard liability may not be enough if your dog bites someone or causes them to become injured, so consider your pets carefully)
• Manufactured home coverage
• Trampoline or swimming pool liability insurance
• Wind damage
• Sinkholes
• Flood damage
• Sewer or septic backups
• Replacement cost for personal property
• Umbrella liability insurance

When you see an independent insurance agent like us, you have the chance to explore all your options for insurance and protect the things that are most important to you.

Two Types of Life Insurance Policies to Choose From:

1. Term life policies are set up to cover you for a specific period. The most common term policies cover for fifteen to twenty years. Depending on the age of insured, premiums start out dirt cheap and increase in costs with your age. Some Term life policies even offer the option to convert to a whole life policy when the policy is set to expire.
2. Whole life or Universal life insurance covers the insured for the course of their life, even if you live to be 100 years old! An advantage of a universal life policy is that the policy builds cash value that you may borrow against in times of need.

However, what exactly is covered by your umbrella policy depends on how you decide to set it up. In most cases, umbrella insurance protects you from:

• Injuries you cause in a car accident
• Injuries someone suffers on your property
• Property damage you cause in an accident
• Property damages your pet causes
• Property damages a dependent or child causes
• Attorney fees and other legal costs if you’re sued

Yes, your existing insurance may protect you to an extent, but an umbrella policy goes much further for less cost than upping the limits on your existing policy. Umbrella insurance is also portable, in most cases; so it can follow you when and wherever you travel―even overseas.