It is that time of year again. The weather is cold and the snow is starting to fall in areas across the country. If the new, powdery snow gets you excited to go snowmobiling, you should take a moment to consider whether or not you have Snowmobile insurance.

Is Snowmobile insurance absolutely necessary, you may ask? Snowmobile insurance is not mandatory in all states, but it’s a good idea to have coverage. When you are riding at high speeds or are on trails within unfamiliar territory, insurance offers you protection should an incident occur. Due to the high speed capabilities of snowmobiles, an accident could result in severe injuries to you, any passenger and others. It surely will result in damage to the sled. If you go out riding and are involved in an accident, your insurance coverage will leave you with one less thing to worry about.

Snowmobile insurance coverage is similar to auto insurance coverage. There is often coverage for physical damage as well as for liability coverage. The cost of your policy will vary on a few factors, such as the make and model of your snowmobile, your completion of safety courses, and your experience driving the snowmobile. You will also need to consider your trailer, any parts, and if you want coverage during the off-season. PoliSeek RV has access to many quality insurance carries offering Snowmobile insurance in most states. Our representatives can work to find you the best quotes for the price and coverage.

First and foremost, when talking about auto insurance, what is a toy hauler and what is a toy? A toy hauler is a recreational vehicle (or RV) that has a ramp door on the back and cargo space to load motorcycles, ATVs or other “toys” inside. If your toy hauler is covered under your RV insurance policy, does this mean that your toys are covered as well? It’s possible that while inside of the toy hauler, your toys may not be covered at all. So how do you go about making certain all of your property is protected?

Check with your auto insurance agent. You should never make the mistake of assuming that the contents of your toy hauler are fully insured when inside the hauler. Your RV insurance policy may have limits on the loss of contents. It might also not provide coverage in the event of theft. So while the toy hauler may be covered, the ATV or motorcycle that was inside might not be so fortunate. Always check with your auto insurance company to find out the extent of your policy.

Additionally, you should check with your auto insurance company to make sure that your toy hauler is covered for fire. As your toy hauler will be carrying cargo with onboard fuel tanks –your toys have their own fuel tanks – there is an added risk of fire. You should make absolutely sure that your auto insurance agent or company is aware of this. You would not want to have a claim denied because your auto insurance company wasn’t aware of the contents of your toy hauler.

It’s good to remember that your toy hauler necessitates its own specialized protection. It’s better to check with your auto insurance agent before your vacation to make sure that you have additional coverage against theft, fuel-related fire, and more.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Having recreation vehicles, such as ATV’s or motorcycles, means that you need a way to take them from place to place. The best way is by having a toy hauler. These trailers can contain all the amenities that you need to have a fun-filled weekend in the outdoors. Some have on-board fuel stations, room for extra tools, parts and more. Above all, these trailers protect your recreational vehicles while traveling, or while they are not in use.When you purchase a toy hauler, you will want to make sure that you insure it to cover things that might occur during the course of ownership. Below are some of the basics that you will want to make sure your policy includes. A good coverage to have is Contents Coverage – this covers the items within the toy hauler in the event that the whole unit is damaged. A basic toy hauler policy may only cover the actual vehicle and not the contents within it.

It is important to talk to your insurance provider about the specific needs you have with a toy hauler. Be up front about the amount of money that you have invested in the toy hauler and what you plan to haul with it. Only with this information can an insurance company give you an accurate quote.

With summer fast approaching, people are gearing up for another great boating season.  Boats are coming out of storage, fresh coats of paint are being added, and equipment is being replaced. One aspect of boat ownership that should not be neglected is boat owners insurance.  Too many times, people don’t have the right amount of coverage and are left paying more than they would otherwise have to when something happens to their boat.

Your boat is a significant investment and therefore, you’ll want to protect it with the boat owners insurance that is right for you.  Insurance for boats comes in many different options and when purchasing coverage, or renewing your current coverage, you should think about what is important to you.  With the help of your insurance provider, you can make the right decision and find a policy that is affordable and comprehensive.  Some coverages that you may want to look into include the following:

• Total Loss Replacement
• Uninsured Personal Watercraft Coverage
• Actual Cash Value
• Disappearing Deductibles
• On-Water Towing and Labor
• Agreed Value Coverage

Each of these will meet a specific need and should be explored fully with your insurance provider.  For detailed information on each you can visit the boat insurance page (http://www.poliseek.com/boat-owners-insurance) on www.poliseek.com or contact one of their qualified representatives for more information.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

A deductible is an amount of money which, in the event of a covered loss, you are required to pay prior to the insurer being liable for any damages. The purpose of a deductible is to eliminate the expense of processing small claims.

Is it better to have a higher or a lower deductible?  This is a question that is often asked, and the answer can be different for everyone.  The answer boils down to the amount that you are willing to pay for your auto insurance policy, and the amount you are willing to pay out of pocket to repair your vehicle. 

Often, those that carry a low deductible live in a more congested area where the probability of an accident is much higher. Carrying a lower deductible can mean that you will have a higher premium for the overall plan.   You may want to elect to have a lower deductible if you have been in many accidents or live in an area where you are more likely to be involved in an accident, such as a large city. 

Carrying a higher deductible will result in having a lower premium for your policy.  Drivers may want to have a higher deductible if they have not been in an accident, or live in an area where being in an accident is less likely.  People who drive or live in rural areas may carry a higher deductible to reduce the overall cost of the premium.

When it comes to choosing which scenario to consider, you should review your past driving record and consult with an insurance professional.  For more information or to receive a free quote, please contact a PoliSeek Insurance specialist or call 866-540-7335.

Buying an RV is an investment for your vacationing future.  People say that RVing is a way of life.  It’s a lifestyle that many don’t understand unless they actually experience it themselves.  The sense of freedom that is felt from traveling the country in an RV is enjoyed by thousands every year.

If you decide to buy an RV, it is important that you have insurance.  Aside from standard insurance policies for RVs, you might want to consider additional Purchase Price Protection.   Purchase Price Protection coverage is usually available for vehicles that are less than 10 model years old.  The policy will protect the price you paid for the vehicle in the event of a total loss.  Unlike other policies that give you what it is worth at the time a claim is made, this policy will give you added comfort knowing that if something happens to your RV, you will be protected and will likely have the opportunity to buy another one of equal value.  In this sense, you don’t have to worry about the depreciation of the vehicle. 

This is just one coverage that PoliSeek offers for you to protect your RV.  For a full listing of other coverages, please visit https://www.poliseek.com/rv.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Motorcycle insurance is often rated in a very similar way to auto insurance.  Factors taken into consideration are:

1) How often will you be riding the bike?

2) What type of bike is it?  (Premiums will be different if it is a sport bike or a cruiser, as they are with cars) 

3) Your driving history 

4) Will you be using the bike for transportation to work, and if so, how far is your work place from your home? 

Rates will be similar to car insurance, or often lower, and you should always consult your insurance company to be sure that you have the correct coverage for your riding style and needs.

In most states, having insurance for an off-road recreation vehicle is not required.  That being said, it is still a good idea to carry some sort of protection for yourself and your off-road vehicle.  If you were to get into an accident with your off-road vehicle and it was damaged and you were hurt, with no insurance, you would potentially be paying medical bills for parties involved and would incur out of pocket expenses to have your vehicle repaired or even replaced. 

Having the right off-road vehicle insurance can ensure you are protected in the event of an accident.  Off-road vehicles can include snowmobiles, dirt bikes, dune buggies, four wheelers and others.  For a more specific product offering, contact PoliSeek to get a quote that specifically meets your needs for motorcycle insurance, or off-road vehicle insurance.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Planning a family vacation for the summer is always exciting.  There are so many places to go and explore right here in the US.  One of the ways in which you can travel is by RV.  Many might be saying, “That’s great, but I don’t have an RV”.  If this happens to be your plan, you can always rent one.  Renting an RV is a fraction of the cost of owning one, and it can enable you to create a memorable experience on the road.

If you choose to rent an RV and take the family on a fun vacation, you may be thinking about some of the costs associated with this, especially insurance.  There are a few things to think about. You will want to check your policy or contact your insurance company to see if an RV rental is covered under your current policy.  Some companies include it, while others will charge a small fee.  If your company happens to charge a fee, you may want to check with the RV rental company to see if they offer extra insurance coverage.  To make sure you are protected, you should compare the two and see if either choice is more affordable.  Try to find the best fit for your price and coverage needs.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Unfortunately, a standard automobile insurance policy is not enough to cover a recreational vehicle (also known as an RV or a motor home).  The reason for this is that RV insurance needs to contain elements of both auto and property coverage.  It is just as important to protect the contents of your RV as it is to protect the RV itself.  While most auto insurance carriers can cover a rented RV on a short-term basis, owned motor homes deserve the protection available through specialty carriers.

Specialized RV insurance is a blend of both auto and homeowner’s insurance.  So this means that, unlike auto or home insurance, RV insurance requires coverage for both living and driving purposes.  One of the most important things you can do when getting insurance for your RV is to insure the vehicle for its purpose.  Generally, specialized RV insurance packages are the best way to insure your RV.  

There are a variety of features that can be covered under specialized RV insurance, such as:

Total Loss Replacement (TLR)

Agreed Value Coverage

Full-Timer Coverage

Personal Contents Coverage

Disappearing Deductible Coverage

Add-on and Tow Dolly Coverage

Emergency Travel Expenses

Vacation Liability

24-Hour Emergency Roadside Assistance

Additionally, if your trip has you traveling to Canada or Mexico, your current RV insurance policy may not be sufficient.  You should check with PoliSeek to ensure that your coverage will protect against any damage or theft to your RV while you are out of the country.  You should also keep in mind that if you are towing a vehicle or trailer, you can add those onto your policy as well.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Not all vehicles fall under your standard auto insurance policy. If you own a recreational vehicle; you will most likely need to purchase an additional policy specific for that vehicle. There are many different types of recreation vehicles which require special coverage. Some of these include Motor homes/RV’s, travel trailers, toy haulers, motorcycles, ATV’s, and boats and personal watercraft.

Motor Home/RV: Although you can cover your motor home under your regular auto policy; it is not a good idea. Your regular auto policy has many gaps in coverage. Click here to see a list of benefits compared between a regular auto policy and a motor home/RV policy.

Travel Trailer Insurance: In order for your trailer to be properly covered; you’ll need to purchase a separate travel trailer policy. A travel trailer insurance policy will cover you for damages resulting from collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches, theft or lightning.

Toy Hauler: Before you take your next road trip; make sure your toy hauler is properly covered. Purchase a special toy hauler policy to ensure all your valuables and toys are properly covered.

Motorcycles: Motorcycles are typically not covered under your standard auto policy. You will need to purchase a motorcycle insurance policy to make sure you are adequately covered. Make sure to have enough protection to cover you and anyone who may be riding with you.

All Terrain Vehicles (ATV’s): Although many ATV’s remained uninsured, it is a very smart idea to purchase a special policy for your ATV. Unfortunately, ATV accidents are common and serious injuries can occur. It is critical to make sure you are properly covered when riding on an ATV.

Watercraft/Boat Owners: In most places insurance is required for any personal watercraft. The penalties for being caught on the water without boat insurance can be the same or even worse than an automobile. It is very important to purchase the right kind of coverage for your boat. This type of insurance will usually cover your watercraft whether it is in the water or on your trailer.

Adding these coverages can really save you some headaches in the event of an accident. Remember, it is always better to be over-insured than under-insured.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.