Recreational Vehicle Insurance
Powersports insurance is customizable and it’s a good idea to have a conversation with one of our licensed insurance agents to make sure you’re selecting the appropriate type and amount of insurance.
Motorcycle Insurance has a lot of similar coverages as automobile insurance such as liability, collision and comprehensive, but it has a few major differences. The largest differences have to do with the way the riders are covered for injuries. New York State does not require motorcyclists to have coverage for their medical expenses and we find that most motorcyclists don’t realize they may be riding without medical coverage on their motorcycle insurance policy.
Boat Insurance is available for many different types of boats. Everything from large yachts to cabin cruisers and runabouts to jet skis and even canoes and kayaks can be insured with a boatowners insurance policy. A key coverage that is often overlooked is the Uninsured Boater coverage. This provides coverage if you sustain injuries caused by a boat that is operating without insurance.
Motorhome Insurance is similar to auto insurance because motorhomes drive on public roads just like cars and trucks do. Motorhome insurance typically allows you to add additional coverage for contents because you would likely have a lot more personal property in a motorhome than you would in your regular vehicle.
Camper Trailer Insurance
Camper Trailers are typically added to your car insurance policy and can be covered for collision and comprehensive. The liability coverage extends from the vehicle it’s being towed by. You can also add additional coverage for contents. If your camper trailer is permanently parked on a campsite, you will want to consider having a separate policy to insure it which would look similar to a mobilehome policy.
Off-Road Vehicle Insurance
Off-Road Vehicle Insurance, commonly referred to as ORV Insurance encompasses many motorized vehicles that are not licensed for public road use. These include All-Terrain Vehicle (ATV), Utility-Terrain Vehicle (UTV), Side-by-Side, Dirt Bike, Golf Cart, Segway, eBike, and more.
Snowmobile Insurance provides liability insurance coverage in the event that you’re responsible for damages to another party in conjunction with the use of your sled. Coverage for damage to your snowmobile is optional and can be added with Collision and/or Comprehensive coverage. There is also the option to add Medical Payments coverage which will help pay for medical expenses if you’re injured.
The Capital Region is close to fantastic trails and waterways
Whether you’re trail riding in the Adirondacks, Catskills, Tug Hill or any of the other fantastic areas to visit, you can trust our team to help you choose the appropriate coverage.
If getting out on the water is more your style, we can help you there too. We have some great bodies of water to explore including Saratoga Lake, Lake George, Great Sacandaga Lake, Lake Champlain, Hudson River, Mohawk River plus all of the other smaller lakes and streams that make our area so great! Our team has the experience to keep you protected on the water.