Specialty

Coverage Types

Boat, Motorcycle – ATV, & RV

What you need to know about Florida boat insurance

Boat insurance provides protection for you against a financial loss caused by owning or operating a boat or personal watercraft. Boat owners insurance is a package policy, which includes damage to your property and liability for injuries or property damage caused to other people.

What does Florida boat insurance cover?

Physical Damage (Comprehensive and Collision) – Covers physical loss or damage for the watercraft including permanent equipment

Property Damage Liability – Provides legal liability for a covered accident that involves damage to someone’s property, up to the limit of liability you select.

Bodily Injury Liability – Provides payment for injury or death resulting from an accident for which you are at fault. Bodily injury liability, also known as BI, can help pay for the injured party’s medical expenses and lost wages, and may also help provide compensation for legal defense. The limit, or the amount covered, is select when you purchase your auto insurance policy.

Medical Payments – Medical payments help cover medical bills for the treatment of injuries that are incurred by you or others while operating or occupying your boat.

Uninsured/Uninsured Boaters Coverage – Pays damages due by law to you from the owner or operator of an uninsured/underinsured watercraft because of bodily injury suffered by you.

Personal Effects Coverage – Coverage for non-boating related equipment such as fishing equipment, stereo, water skiing or other sporting equipment, and clothing lost or damaged while on board.

On-water Towing and Labor – This option covers towing expense and other emergency services up to selected limits in the event your boat becomes disabled while on the water.

Fishing Equipment – Fishing equipment insurance helps cover damage to fishing equipment while on an insured boat or while being carried on or off an insured boat.

What to know about motorcycle/ATV insurance

Insurance designed for motorcycles, mopeds, ATVs, golf carts and other outdoor sports vehicles provides financial protections against a loss to your property. It also covers your liability or legal responsibility for any injuries or property damage you cause to other people.

What does motorcycle insurance or ATV insurance cover?

A standard motorcycle/ATV insurance policy is comprised of the following parts:

Property damage liability – Provides legal liability for a covered accident that involves damage to someone’s property, up to the limit of liability you select.

Bodily injury liability – Provides payment for injury or death resulting from an accident for which you are at fault. Bodily injury liability, also known as BI, can help pay for the injured party’s medical expenses and lost wages, and may also help provide compensation for legal defense. The limit, or the amount covered, is select when you purchase your auto insurance policy.

Collision coverage – Collision insurance covers damage to your vehicle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object.

Comprehensive coverage – Comprehensive coverage pays for damages caused by an event other than collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible. Custom equipment coverage is also available.

Uninsured or underinsured motorist coverage (UM) – Uninsured motorist coverage pays for medical treatment, lost wages and other damages if a driver who has no insurance hits you.

Medical payments – Medical payments provide coverage in the event of first party injury while operating the insured vehicle.

Recreational Vehicle Insurance

Recreational vehicle (RV) provides coverage for motor homes and travel trailers.

Motor vehicles differ from travel trailers in that they are designed to provide living quarters and are permanently attached to a motor vehicle chassis or van.

The following RV’s fall under the motor home category:

  • Conventional, professional bus conversions and non-professional bus conversions. These vehicles are categorized as Class A
  • Camper vans are classified as Class B
  • Mini-motor homes (Class C)

Have questions? Let us know how we can help!

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Location:

1901 Island Walkway, Suite 113

Fernandina Beach, FL 32034

Office Hours:

Monday: 9am -5pm

Tuesday: 9am -5pm

Wednesday: 9am -5pm

Thursday: 9am -5pm

Friday: 9am -5pm

Saturday: 10am – 3pm

Sunday: Closed

Contact Info:

Phone: +1 (904) 267-1585

Email: Brad@RaulersonInsurance.com

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