The Best Ways To Insure Your Recreational Toys

As summer approaches, many people are moving outdoors. This includes using ATVs, boats, RVs, golf carts, and more. All these vehicles need insurance to protect you against damage and liability. It is important to have the right insurance for your recreational vehicles. Most of these are not automatically covered under your home or auto policies.

If you don’t want to insure physical damage on your recreational vehicles, that is an option, but you still need liability insurance. If you have loans on these vehicles, you may be required to insure them.

RV Insurance

RV insurance rates differ from company to company, so it pays to have us shop for your insurance. Some markets offer better rates for trucks, RVs, and campers, while others can offer better rates for motorcycles. To properly insure your RV, you may need liability, collision, comprehensive, uninsured motorist, medical payment, and towing coverage.

Boat/Watercraft Insurance

It would help if you considered watercraft/boat insurance for liability and damage to the hull and personal property. Boat insurance can include physical damage coverage, medical payments, liability, and trailer coverage.

ATV and Golf Cart Insurance

A standard auto insurance policy doesn’t cover ATVs. Even if you are not required to carry physical damage insurance on your ATV, it is still important to protect yourself from liability claims if you injure a third party.

Are Your San Diego Home Insurance Premiums Going Up?

In case you have not noticed, prices are increasing on most items, especially wood, gas food and more.  Home insurance premiums are based on the replacement value of you home, or the cost to rebuild with like kind and quality materials. If the cost of lumber is going up, then you might assume the cost to rebuild you home is increasing, and your premiums accordingly. But there are many reasons why your home insurance premium might go up.

  • Natural disasters effect home insurance premiums
  • Inflation
  • Your individual claims
  • You Have Outdated Electrical, Plumbing, and HVAC Systems
  • Aging home
  • Your home improvement
  • You Added a Trampoline or Swimming Pool
  • The type of dog you have

Whys to reduce your homeowner’s insurance (these may not apply to every insurer)

  • Purchase all your insurance through our agency
  • Install an alarm system
  • Choose paperless billing
  • Avoid making small claims
  • Pay annually instead of monthly
  • Review the limits in your policy and the value of your possessions at least once a year
  • Ask us about additional discounts
  • Evaluate your policy and eliminate any coverage you no longer need
  • Consider increasing your deductible.
  • Don’t confuse what you paid for your house with rebuilding costs
  • Keep your home well maintained
  • Replace your roof, water heater, and other equipment when needed
  • Review your policy regularly.  You may not need the same kind of coverage you did a few years ago.
What Kind of Insurance Do You Need To Protect Your Future?

Life Insurance – Life insurance provides real security for those you care about. Life benefits can provide financial security and resources for your family or loved ones after you are gone. Life insurance can provide funds to; pay off debt, un-paid medical expenses, funeral expenses, future living expenses, college, and more.

Home Insurance – Homeowners insurance is a form of insurance that covers losses and damages to an individual’s residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

Auto Insurance – Car or truck insurance is needed if you drive a vehicle. Almost every state mandates some kind of insurance. However, if your vehicle is inexpensive or you are confident in your ability to replace it, you can only need liability coverage.

Kenneth “Wayne” McCormick, Jr., appreciates family life at home in San Diego. After all, he moved around a lot as a kid in a family of 7 and attended 14 different schools before he was 18.

“If I didn’t own my own insurance business, I would definitely be packing moving trucks for a living,” jokes Wayne, who usually makes himself scarce on the 15th and 30th of every month (just in case someone’s planning a move).

Despite being a mover and shaker today, Wayne had a slow start to his career.

McCormick Insurance Solutions. San Diego Insurance Broker Auto, Home, Life and Commercial Insurance and Surety Bonds. Insurance license number 0D95593. 619-276-0492 1437 Morena Bl Suite 201, San Diego