785-625-5605 | 800-999-0474 ☰ ˟
Logo
Call Us 785-625-5605 | 800-999-0474
  • Home
  • Our Agency
    • AboutImage of right arrow
      • Our Staff
      • Our Locations
    • Get A Quote
    • Our Carriers
    • Community Involvement
    • Contact UsImage of right arrow
      • Main - Insurance Planning, Inc.
      • Great Bend
      • Hays - AG PRO Crop Insurance
      • IPI Financial Services
      • Russell - Insurance Planning, Inc.
      • Get A Quote
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • Travel Health Insurance
      • Prescription Insurance
      • HSAs
      • Medicare Open Enrollment
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Financial ServicesImage of right arrow
      • Financial Planning
      • Annuities
      • 401K
      • Retirement Plans
      • Mutual Funds
      • Pension Plans
      • Profit Sharing Plans
      • Traditional & Roth IRAs
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Garage Insurance
      • Handyman Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • HVAC Contractors Insurance
      • Law Firm Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Non Profit Insurance
      • Nursing Insurance
      • Orthotics & Prosthetics Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • Rideshare Insurance
      • Scrap Metal Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Fidelity Bonds
      • Loss Control Insurance
      • Inland Marine Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Small Business Insurance
      • Small Business Liability Insurance
      • Surety Bonds
      • Technology Insurance
      • Transportation Insurance
      • Workers Compensation
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
  • Contact Us
    • Main - Insurance Planning, Inc.
    • Great Bend
    • Hays - AG PRO Crop Insurance
    • IPI Financial Services
    • Russell - Insurance Planning, Inc.
    • Location & Hours
  • Pay Now
Home > Blog > Secure Your Summer Toys With Insurance for All Adventures
MONDAY, JUNE 27, 2022

Secure Your Summer Toys With Insurance for All Adventures

School’s out… warmer weather has arrived… summertime is here! As you break out your calendar to plan the next outdoor adventure, don’t forget an important piece of the puzzle: insurance coverage for all your summer toys. Whether your toys are designed for blacktop, water, or off-roading excursions, you should never leave home without the proper policy.

While you may turn to your current homeowner’s or automotive insurance for protection, these recreational vehicles often require unique policies to match their variety of uses. Policies can be customized to meet specific needs for RV’s and campers, to ATVs and motorcycles, and even boats.

RV and Motorhome Insurance

Whether you’re planning a cross-country long-haul or a weekend trip to the lake, your RV acts as your home on wheels. It’s important to protect this asset with the same level of coverage as your traditional home. This requires a unique combination of policy offerings that include:

·      Collision Coverage

·      Comprehensive Coverage

·      Bodily Injury Liability

·      Property Damage Liability

These forms of coverage differ from homeowners or auto insurance policies and can even be further customized with a variety of settlement options. Thanks to an agreed value settlement option, you’ll have the opportunity to receive a payment equal to a pre-determined amount agreed upon by you and your insurance provider. You can also receive a settlement in the full amount to replace your vehicle with a total loss replacement cost. A third settlement option is that of actual cash value. This alternative provides a payment equal to the current market value of your vehicle, otherwise defined as its replacement cost minus depreciation.

When your summer adventures extend beyond the season, you might consider a full-timer’s package. Additionally, belonging to an RV association can offer the potential for policy discounts.

Motorcycle Insurance

If you’re getting ready for a blacktop adventure on two wheels, you’ll want to be prepared with an entirely different insurance policy. As you hit the open road with the warm wind in your hair, you can feel confident in adequate protection for both you and your bike.

When it comes to protecting yourself, coverage options to consider include:

·      Medical Payments

·      Uninsured/Underinsured Motorists’ Coverage

·      Theft

·      Collision Coverage

·      Liability Coverage

However, potential policy combinations do not end here. Specialty coverages include safety apparel coverage, vanishing deductible, roadside assistance, and more. You might also qualify for policy discounts after completing an approved safety course or if you are a member of a certain riding association.

ATV Insurance

Summer is the perfect time to hit the road and the trail. As you head off the beaten path on your All-Terrain Vehicle, you’ll want to make sure you can ride with the confidence of the optimal insurance coverage for your needs. Consider options such as:

·      Collision Coverage

·      Comprehensive Coverage

·      Property Damage

·      Bodily Injury

·      Uninsured Motorist

It doesn’t matter if you’re riding in style in your golf cart, dune buggy, or on a 4-wheeler. You can customize an insurance policy to protect you, your vehicles, and even the custom equipment added to your vehicle. Similar to policies offered to motorcyclists, you might also be qualified to receive discounts for insuring multiple vehicles or completing rider safety courses.

Boat Insurance

For many summer adventurers, the season means more time spent on the water than on dry land. Boat insurance options differ from all other policies and can even differ based on the part of the boat that needs to be protected. In fact, the hull, motor, and trailer may be insured with different values entirely. Other specialty coverage options include:

·      Personal Effects Coverage

·      Fishing Equipment Coverage

·      Vanishing Deductibles

·      Wreckage Removal Coverage

Discount options resulting from the completion of approved boater safety courses may help to reduce the costs of these specialty policies.

No matter your adventure plans for this summer season, it’s important to realize the unique benefits offered by a stand-alone power-sports or RV policy. Don’t adventure alone, without the security offered by an insurance policy customized to your specific summer toys needs.

Visit https://www.insurance-planning.com/content/personal_ins to view the Insurance Planning, Inc. educational series that will help you get started in charting the course for your next summer adventure!

Posted 11:12 PM

Share |


1 Comments

Joe said...
great blog entry
THURSDAY, SEPTEMBER 22 2022 2:45 PM

Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021


View Mobile Version
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
Main - Insurance Planning, Inc. | 3006 Broadway Ave | Hays, KS 67601
Ph: 785-625-5605 | Fx: 785-625-8388
LinkedIn Facebook Twitter Google
Logo

Powered by Insurance Website Builder