Motorcycle Insurance is similar to auto insurance but is for motorcycles. Motorcycle insurance provides coverage for you and your motorcycle, as well as those with whom you caused damage or injury. Motorcycle insurance is separate from auto insurance because it has a different risk factor.

Classic Car insurance is available to protect your vintage, antique, or collectible cars. There are a few qualifications to meet the “Classic Car” criteria. The vehicle must be:
– At least 25 model years older
– A new exotic car, such as an Ferrari, Lamborghini, McLaren, etc.
– A new replica car, like a 1966 Batmobile or a 1981 DeLorean from “Back to the Future”
– A classic military vehicle, hearse, fire truck, etc.

Classic Car policies can provide the same liability protection as auto insurance. The primary difference in a classic car insurance policy is the coverage it provides for your vehicle under collision and comprehensive coverages. These coverages will be based on the agreed value of your vehicle. This amount is an agreement between you, as the owner, and the insurer on the value of the vehicle the policy is written for. This amount usually considers industry guidelines and is generally reviewed upon policy renewal.

What it is:
Boat insurance helps you enjoy peace of mind as you travel and navigate while on your boat or personal watercraft. So you can sail and travel across any lake, or river we can help. Whether you’re looking for a new boat insurance policy or just to save money on an existing policy, we can help you get started with a free boat insurance quote right now.

Why you need it:
A boat insurance policy helps protect you and your boat. If you don’t have an independent boat or personal watercraft insurance policy, you’re probably underinsured. Almost all Boat and Watercraft policies have:

– Size restrictions
– Limitations on horsepower
– Limits on damage coverage

Boat polices help and cover:

• Damage to your boat including hull, sails, equipment, and more
• New boat replacement
• Fuel spill liability
• Liability to pay for damages and injuries you cause if you hit another boat, person, dock
• Medical coverage for you and persons in your boat
• Wreckage removal

Off Highway Vehicles opens up the door to see the many splendors and sights our great nation has to offer.  Going where a regular vehicle won’t.  It’s about feeling the nature in its true form.  People known as off-roading enthusiasts go off-roading in different environments in mountain, sand, mud and even in wetlands.  These unique vehicles require the right combination of insurance coverage depending on where you drive them.  We insure most off-road vehicle types (for off-road use only), so getting the right coverage is just a call away.

Do You Need Motorsport Insurance?

Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property.

What is an ATV?

An All-Terrain Vehicle (ATV) straddle/motorcycle-style seating with a seat that is straddled by the operator, and with handlebars for steering control.

A Utility Vehicle (UTL) Bench seating. They have four or more low-pressure tires, a steering wheel, tail light, brake light, and two headlights.

A sport recreation side-by-side vehicle has a high power-to-weight ratios and long-travel off-road suspension systems.  Can hold two to six passengers, they typically have deep bucket seats instead of bench seats.

Common Types of Coverage:

Specialty vehicles are unique.  With that in mind, talk to your First Choice Insurance agent today about specialized coverages such as:

• Physical Damage (Comprehensive and Collision Coverage)
• Bodily Injury Liability (Liability to Other Party’s Injuries in event you’re at-fault in accident)
• Uninsured/Underinsured Motorist (Medical Coverage for your vehicles passengers if you’re found Not-At-Fault in Accident)
• Personal Injury Protection & Property Damage
• Medical Payments (Per person medical payments in the event of an accident)

RV Insurance provides liability protection for your recreational vehicle—such as a motorhome or fifth-wheel trailer.

There are several classes of recreational vehicles and they each need special insurance:

Class A: RVs using a very strong frame, either a commercial bus chassis, a commercial truck chassis, or motor vehicle chassis.  A home away from home with everything you need.

Class B: RV’s resemble vans, but have taller ceilings and also have a longer wheelbase to accommodate the weight and additional room they provide.

Class C: RV’s are large vehicles made from trucks or vans.

Pull behind RVs and Fifth-wheel trailers: Specifically made for pulling on the highway and camping or long-term use.

Toy haulers: These are pulled behind RVs and often contain ‘toys’ such as ATV’s, snowmobiles and dirt bikes.

Pop up campers: These can be collapsed for easy storage and transport.