pic-boatWe help protect your investment in your possessions


Most people understand that Homeowners and Automobile insurance are required by banks and finance companies to protect their interest in your two largest investments.

pic-motorcycleHowever, neither your Home nor Auto policies cover all your possessions. There are significant exclusions and limits. To cover these, you need to buy specific endorsements (additions) to your policy or a specialized policy.


Some of these include:

  • Umbrella liability
  • pic-diamondBoat and Personal Watercraft (PWC)
  • Motorcycle
  • ATV
  • Snowmobiles
  • Recreational vehicles
  • Personal articles (Jewelry, Antiques, Artworks, Collectibles, etc.)

Frequently Asked Questions about Other Insurance:

  • Other FAQs
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  • 1. We have an RV sitting in our yard. Is it covered for damages by our Homeowner’s Policy?
     

    No! For example, if a tree or limb falls and damages your RV, you are
    not covered by your homeowner’s policy. Physical damage is not automatically covered. An RV must have specific collision and comprehensive insurance to pay for damage losses. Call us for more information about the benefits and cost.

     

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  • 2. Is boat insurance required for my leisure boat?
     

    Currently (as of January 2012) there are no state or federal laws that require a boat owner to have insurance on a boat. The state of Massachusetts does not require insurance on a boat before registering. It is entirely up to the boat owner whether or not the boat is insured. However, if you have a loan using the boat as collateral the bank will require insurance coverage listing them as a loss payee to cover their interest in your boat. Some states may require that you carry liability coverage, so please check with your local law agencies to see if your state has any requirements. Also, most marinas will require that you maintain boat insurance in order to keep your boat at their facility.

     

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  • 3. Is ATV insurance required?
     

    No - ATV insurance isn't mandatory. Its purpose is to help protect your finances in case of an ATV -related accident. However, if you have a loan using the ATV as collateral the bank will require insurance coverage listing them as a loss payee to cover their interest in your ATV.

     

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  • 4. Why should I buy an ATV insurance policy?
     

    Your homeowner's or renter's insurance policy will often provide liability coverage while operating your ATV on your covered premises only. Coverage does not generally extend beyond your premises. Also your homeowners policy will not cover physical damage to your ATV. In addition many state owned and public parks require ATV insurance in order to ride on their trails.

     

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  • 5. Is snowmobile insurance required?
     

    No - snowmobile insurance isn't mandatory. Its purpose is to help protect your finances in case of a snowmobile-related accident. However, if you have a loan using the snowmobile as collateral the bank will require insurance coverage listing them as a loss payee to cover their interest in your snowmobile.

     

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  • 6. Why should I buy a snowmobile insurance policy?
     

    Your homeowner's or renter's insurance policy will often provide liability coverage while operating your snowmobile on your covered premises only. Coverage does not generally extend beyond your premises. Also your homeowners policy will not cover physical damage to your snowmobile. In addition many state owned and public parks require snowmobile insurance in order to ride on their trails.

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