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(800) 383-2580
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Main Office:
115 N. Main St.
New City, NY 10956

Recreational Vehicles: 
Boats, Motorcycles and Others

Recreation is about having fun. Make sure your fun doesn’t put your future at risk by having the proper protection for any recreational vehicles you own including boats, motorcycles and other vehicles.

When purchasing a recreational vehicle, a dealer may offer to provide you with insurance coverage, but keep in mind that your overall insurance protection plan is generally built through purchasing a variety of policies. You need to make sure that all your policies have the right limits and protections so that they work together.

Don’t get caught with an insurance gap…make sure you always talk to a Robert Alan Agency trusted associate if you’re purchasing a recreational vehicle.

To learn more about specific vehicle types, choose from the topics below: You can also email, call or visit us to discuss your needs with a trusted associate and get a quote.

Boat Insurance

Water recreation is a growing activity. If you’re a boater, don’t assume that all watercraft users are as responsible and safety conscious as you. You share the waterways with many unregistered boaters which makes it even more important that you have proper protection. Give yourself the peace of mind of knowing that you, your guests, and your family are protected if an accident should occur.

What’s Covered

What you need and specific coverage varies depending on the type of boat you own. Your policy will provide details of coverage; however, a boat insurance policy commonly protects you for:

  • Accidents causing physical damage to the boat and in most cases trailers caused by storms, collision, fire, sinking, capsizing, stranding, explosion or theft. This includes attached equipment as well as anchors, oars, dinghies, electric motors, extra fuel tanks, tools, canopies, seat cushions and life preservers.
  • Damage caused by vandalism or malicious mischief.
  • Liability and legal defense costs resulting from your ownership, maintenance, use, loading or unloading of your boat including bodily injury or death to someone else and property damage including other watercraft or docks.

Optional Coverage for Better Protection

Some situations are not covered by a basic boat policy.  Let us know if you are interested in having protection that covers:

  • Accidents with uninsured watercraft
  • Personal property that you keep onboard
  • Fishing equipment
  • Emergency service
  • Removal

Motorcycle Insurance

There’s a sense of freedom driving down the road that can’t be fully explained. As a motorcycle driver, you know this freedom requires being constantly alert to what’s going on around you because you’re out in the open. We know you want to enjoy riding without worrying about problems. Having motorcycle insurance can help that experience by knowing that you and anyone riding with you is protected should an accident happen.

Understanding Motorcycle Insurance Coverage.

Motorcycle insurance works very similar to auto insurance to help financially protect you and those you care about. Depending on the coverage options you select, your insurance can:

  • Pay for damage and repairs to your motorcycle resulting from an accident.
  • Cover accident damage to another vehicle or other property.
  • Cover medical expenses associated with an accident.
  • Pay for losses caused by underinsured or uninsured drivers.
  • Reimburse you for damages suffered because of vandalism, natural disasters or theft.
  • Pay for legal costs related to a motorcycle accident lawsuit.

Motorcycle insurance can seem confusing. But once you understand the different types of coverages that make up your policy, it’s not hard at all.