Recreational Coverage

Total loss coverage

Available if your bike is no more than one model year old on a new policy, and two model years old during a renewal of a total loss coverage policy. If your bike is totaled, you can receive the full manufacturer's suggested retail price for a brand new rec. vehicle, minus the deductible on your policy.

Roadside assistance and trip interruption

If you’re disabled anywhere in the United States or Canada, the roadside assistance program will tow you to the nearest repair shop for free. You can also add trip interruption to pay for food, hotel or transportation up to $500 if you're away from home.

Carried Contents

Covers personal belongings that you carry if they're damaged due to a covered loss, including phones, camping equipment and hunting gear.

Disappearing deductible

25% off your deductible for every claim-free policy term you have…all the way down to $0. If you have a claim, the deductible returns to its original amount at the next renewal.

Enhanced injury protection

If you're injured and can't work, this benefit pays you up to $250 every week for two straight years. Death benefits are also available, so if you're in a fatal accident, your beneficiaries can receive up to $25,000.

On-water towing

If you run out of gas or your boat breaks down on the water this pays for on-water towing, fuel delivery, soft ungroundings, and jump starts. .

Full replacement cost

When your watercraft needs to be repaired, your boat is always brought back to its previous condition or better, and parts are never depreciated.

Example: Four seats are damaged on your 10 year-old boat. They’re older and only worth $50 each, so some insurers may only give you $200 ($50 per seat). But, you need new ones that cost $250 each. You would receive $1,000 for all new seats. That's an $800 difference!

Motor Coverage

Repair or replacement of the lower unit of an outboard motor, or upper and lower units of an inboard/outboard motor, if you have a mechanical breakdown—even if it’s caused by wear and tear.

Wreckage removal & fuel spill

Wreckage removal and fuel spill coverages are automatically included

Roadside assistance

Total loss replacement

Replacement cost/personal effects

Vacation liability

If someone is hurt in or around your RV while you’re on vacation, you’ll have liability coverage up to $10,000. For a minimal cost increase, you can upgrade to $500,000 in coverage.

Full timer’s liability

You’re covered up to a specified limit if you’re liable for injuries in and around your RV. Full timer’s liability is meant for those who use their RV as a permanent residence.

Emergency expense coverage

Options of up to $2000 for transportation and hotel costs if you’re on vacation and your RV is disabled in a covered incident more than 50 miles away from your home.

Pet injury coverage

Roof Protection

Repair or replacement of a damaged roof on your motorhome or non-stationary travel trailer. Wear and tear to the roof of your RV is also included, as well as damage to your vehicle caused by the roof’s malfunction. This coverage is available to vehicles/trailers less than 6 years old.

Pest damage protection

If your motorhome or non-stationary travel trailer is damaged by a non-domesticated animal, such as a bird, rodent, or mouse, pest damage protection can pay for the repairs. This coverage is available to vehicles/trailers less than 6 years old.