Boat, RV, and Motorcycle Insurance Policies

Boating Insurance

Is your boating insurance seaworthy? Getting out on the water in your watercraft can be a wonderful escape from the day-to-day grime. But, having fun on the water can also increase liability risks.

Let’s make sure your “financial boat” doesn't sink should you encounter rough waters. Contact XL Brokerage Inc today.

Does homeowner's insurance cover your boat?

The fact is, homeowners policies usually place numerous restrictions on boat owners, depending on the size and horsepower of your watercraft.

In other words, if you don't carry a boat insurance policy, you may be underinsured.

Boat Insurance: what is covered?

Typical coverages should include:

• Personal liability
• Boat
• Motor
• Trailer
• Medical and physical damage perils

We also provide insurance for the following types of boats and personal watercraft:

• Runabout
• Mini-jet boat
• Sailboat
• Pontoon
• Houseboat
• Cabin cruiser
• Other fishing boats
• Bass boat

Boat insurance discounts spoken here

We work with carriers who provide boat insurance discounts. Here are a few ways you may be able to save:

• Own your home
• Have idle assisted steering installed
• Insure multiple vessels
• Bundle other kinds of insurance
• Are the original owner
• Pay your policy in full each year
• Have a clean automobile driving record
• Have a safety course certification

There are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.

Why we're different

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.



There’s no such thing as a one-size-fits-all insurance policy when it comes to your boat.

Contact us today, and we'll help you protect what matters most.

Motorcycle Insurance

The three essentials for feeling truly free on a ride:

• A protective helmet 
• A solid jacket and foot protection
• A bulletproof motorcycle insurance policy for you and your passenger

Whether you’ve got the ride of your dreams or you're saving up for your perfect bike, there’s only one way to enhance that feeling of leaving all of your worries behind.

Motorcycle insurance: do you really need it?

Owning a motorcycle can be one of the most exhilarating things in life, but according to the National Safety Council, a motorcycle accident that result in serious bodily harm happens every 6 minutes in the United States.

If you think motorcycle insurance is a “wasted” expense, think again. Insurance is more about managing your risks than anything else. Without insurance, all it takes is one accident to drain your savings or your ability to pay medical expenses.

We are here to make sure you have the right coverage for your needs, and that means we will do our best to get you the best coverage for the most reasonable cost.

What are your coverage options?

There are mandatory minimums, of course, but you may wish to consider other options on your bike, which are reasonably priced extras that can give you more comprehensive coverage and better peace of mind, including:

• Additional liability coverage 
• Collision 
• Comprehensive 
• Roadside assistance
• Bike accessories
• Total loss insurance
• Rental vehicle coverage
• Trip interruption coverage
• On-road insurance for off-road vehicles

When you need the best motorcycle insurance

You can trust our team when you need to make a decision on insurance for your bike. As an independent company, we are not tied to just one insurance company. We have several A-plus-rated insurance carriers we can shop with, to make sure you get the very best Motorcycle Insurance and the lowest premiums. 

Why we're different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.



After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your motorcycle. Contact us today, and we'll help you protect what matters most.

RV Insurance

Recreational Vehicle (RV) owners are a special breed. They love to take to the highway because they know traveling is more than just a means to get from point "A" to point "B." RV owners know the journey means as much as the destination.

While RV'ers enjoy being on the road and getting away, many mistakenly assume that RV insurance is about the same as car insurance.

In fact, if you don't have proper insurance for your RV, you may face financial hardship if you should have an accident.

What makes RV insurance unique?

RV Insurance is like two policies in one: it protects your vehicle like car insurance and it also protects your living area like home insurance.

Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability and other disasters.

Insurance for motor homes is specially designed to protect people that travel. And because your vehicle is usually larger than others, you should have greater liability coverage than standard autos, and this is only one important coverage option you might consider.

Who needs RV insurance?

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

• Class A covers RVs built like large commercial buses
• Class B vehicles resemble vans, but have taller ceilings so you can stand up inside
• Class C vehicles are large vehicles made from trucks or vans

Standard motorhome insurance

Standard insurance policy coverage will depend on your RV. Units that are motorized need the same kind of coverage as your car.

If you only plan to vacation once or twice a year, you may be able to get by with seasonal coverage. Trailer RVs will need insurance coverage for damage, both on and off the road.

Options for your RV insurance policy

When you insure your RV, you might want to consider these important options:

• Insurance for full-time RVers
• Camper liability — since you are responsible for what happens inside your mobile home and the lot or camp site it’s parked on (just like your house.)
• Extra bodily and property damage liability is not uncommon, especially if you have an expensive and large RV
• 24 hour roadside assistance is a worthwhile feature that could really save you time and money even if you only use it once. And if you never need it, what peace of mind
• Emergency expense money
• Total loss coverage
• RV contents coverage
• Insurance for any ATVs you may be towing, both for damage they may sustain being towed or being driven

Why we're different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for. While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your RV.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.