The Best Ways To Insure Your Recreational Toys

Do you need insurance for your boat, RV, motorcycle, or ATV?

Regardless of whether you are relaxing on your boat at the lake, traveling through the Rocky Mountains, camping with friends and family, or enjoying the open road on the bike of your dreams; you need to take the proper steps to protect what you have worked so hard to enjoy.

All these activities need personal insurance to protect you against damage and other claims. Generally, we have found that we can get better coverage and pricing when we use our specialty carriers.  For example, watercraft insurance has pollution coverage for fuel spills, coverage for injured water-skiers, and on-water towing coverage that homeowner’s insurance won’t provide.

RV Insurance

RV insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV’s, and campers, while others can offer better rates for motorcycles. To properly insure your RV, you may need liability, collision, comprehensive, uninsured motorist, medical payment, and towing coverage.

Motorcycle Insurance

All motorcycles on the road are required by law to have motorcycle insurance. Motorcycle insurance protects a motorcycle and its owner in the event of a loss. You may need to consider special coverage.  Custom parts and equipment (ACPE)/Accessory coverage can be purchased for motorcycles less than 25 years old. You may spend thousands of dollars customizing your bike and that is why you need custom motorcycle insurance.

Boat/Watercraft Insurance

Your boat will need boat insurance for liability and damage to the hull and personal property. Boat insurance can include physical damage coverage, medical payments, liability, and trailer coverage.

ATV Insurance

ATV insurance is similar to motorcycle insurance. We can combine motorcycle coverage and ATV insurance into one policy for multi-vehicle discounts. We offer additional ATV coverage for damage to custom equipment that you’ve added to your ATV.

Why Work With Our Insurance Agency?

We know and understand your risks

We are a full service independent insurance agency

Our goal is to provide the best possible combination, of coverage, price and service.

How can Georgetown Insurance Agency best serve you? Call one of our friendly team members today at (512) 863-4388 or start a free insurance rate quote and let us demonstrate our dedication to delivering the highest quality insurance policies and best customer care.

Stay Dry While Boating… Take A Boating Safety Course

Boating is a great adventure on any type of boat and is being enjoyed by many on a daily basis, but with that comes a great responsibility. It is not mandatory to do a boating course at this time, but there are some excellent reasons to get your self-informed about the rules of the road.

You will learn about safety equipment and what you are required to have on your boat before you undertake any boating excursion. This is very important because what you don’t have with you could make the difference between being able to handle a situation or not.

You will learn that driving a boat is vastly different from driving a car. You are dealing with air and water currents. If you have never docked a boat you may think that it is easy until that is, the current is pulling you in the opposite direction that you want to go.

Knowing how to work with lines and tying knots is part of boating. You have to be able to secure a boat properly. If your boat gets away, it is amazing how quickly the current will take it out of your reach, and you will probably require the assistance of another boater to help you get to it.

You will learn what the channel markers mean. We learned the hard way the first time we went out on a boat and ran aground outside the markers. We also had no clue what the red and green markers meant on the poles. This you also learn on the course.

There are speed limits on certain water ways, but unlike the roads, they may or may not be posted. Ignorance may not be enough to get you out of a ticket.

Using charts for coastal navigation can be a lifesaver. It’s your roadmap that helps you stay away from the shallows and shows where all the markers and bridges are, and by using measurements, you can calculate the distance and time it will take to get somewhere.

Just like on the roads, there is the right of way. On a boating course, you will learn who has the right of way and why.

Every boat should have a horn. You may hear one long toot or 2 short toot and so on, and you’ll learn what they mean.

There are boating regulations and laws that must be followed by all boaters, for example, (and I have seen this rule broken so many times) you are not allowed to sit on the bow of the boat with your feet hanging overboard.

Anchoring a boat is not just a matter of plopping it down to the sand. There is a mathematical technique applied to anchoring that has to do with the size and length of your boat. Knowing how to do this correctly will give you that extra insurance of knowing your boat is going nowhere until you want to move it.