Protect Your Summer Fun: How Bundling Insurance Can Save You Money
Summer is a season for outdoor adventures, but it’s also a time when unexpected events like severe weather, theft, or accidents can put a damper on your fun. For homeowners who love their summer toys—motorcycles, ATVs, boats, and RVs—it's essential to understand why having the right insurance coverage is crucial. Here at Amity Insurance Group, we're here to help you navigate these waters, ensuring you have a stress-free summer. Let's dive into how bundling your insurance can lead to significant savings and peace of mind.
1. The Unpredictability of Weather
Whether it’s severe storms, floods, or hail, summer weather can be unpredictable. Insurance acts as a protective shield, ensuring you’re covered no matter what Mother Nature throws your way. This is particularly important for protecting high-value items like boats and motorcycles that are exposed to the elements.
2. Guard Against Theft and Accidents
Theft, vandalism, and accidents are unfortunate realities, especially when it comes to highly coveted summer toys. Having adequate coverage not only gives you peace of mind but also ensures that your summer stays stress-free, regardless of any mishaps.
3. Understand Home Insurance Exclusions
It’s crucial to know that most home insurance policies do not cover motorized vehicles. This means your ATVs, RVs, and motorcycles need specialized policies to ensure they are fully protected. This coverage is essential to fill in the gaps left by standard home insurance.
4. Meet Financing Obligations
If you finance or lease your summer toys, maintaining insurance is often a requirement. This is the case even in states where insurance might not be mandatory. Ensuring you meet these obligations is key to maintaining both legal and financial peace of mind.
Specific Considerations for Different Summer Toys
Motorcycles
Standard home and auto policies typically don’t cover motorcycles. You'll need a specialized motorcycle policy, which takes into account factors like the type of bike and your driving history.
ATVs
Similar to motorcycles, ATVs require their own insurance, albeit with coverage options akin to what’s available for motorcycles. You can also save on premiums by installing safety features.
Boats
For boats, an actual cash value policy is often the most affordable choice. While smaller watercraft might be covered under your homeowner's policy, remember that a high percentage of boats are stolen while stored on trailers. Secure storage is crucial.
RVs
RV insurance varies based on the type of RV and how you use it, whether it’s for full-time living or occasional recreation. The way you use your RV can significantly influence your premiums.
Why Bundle at Amity Insurance Group?
Bundling your insurance—combining home, auto, and policies for summer toys—can lead to significant savings. Not only does it simplify your insurance management by having everything in one place, but it also can reduce your premiums across the board. At Amity Insurance Group, we specialize in creating tailored bundles that suit your lifestyle and protect all your assets effectively.
Ready to safeguard your summer and save money? Contact Amity Insurance Group today
to discuss how we can help you enjoy a carefree summer with the right coverage for your home and summer toys. Let’s make this summer safe and enjoyable, together!