Boat, Motorcycle and Recreational vehicle insurance policies are important as they cover your “toys”, but often insureds do not understand what is covered and what isn’t. Much like Auto insurance, physical damage coverage (Comprehensive and Collision) is only forced upon you if the item is financed. If owned outright, physical damage coverage becomes optional, you can elect to purchase coverage in case of damage or not. More important to your financial well-being, is the amount of liability and medical benefit coverage included / purchased, if any. You may be able to afford any deductible that applies for damages or even covering the repairs yourself, but having liability coverage to protect you from lawsuits and medical coverage to protect you from injuries should also be a major consideration when choosing coverage. Let us help guide you in choosing coverage which addresses all of your needs for your Boat, Motorcycle and Recreational vehicle insurance.