Motorhomes / RV Insurance
You probably bought your motor home or travel trailer because it offers the ability to travel from one place to another and also provides a comfortable and familiar place to stay.
But with this double benefit you also get the need for 2 types of insurance. As a motor vehicle traveling down the road, your motor home needs "auto insurance" to protect you from damage and medical expense caused by a collision. But, to be fully insured you also need insurance to protect you when you are stopped - a kind of home insurance.
Comprehensive RV coverage includes
- Personal Liability to protect you if someone is injured in or around your RV
- Personal Property to cover the contents of your RV in case of theft or damage
- Additional Living Expenses to help pay for cost of living if you are unable to stay in your mobile home
- Attached Accessories which covers your exterior features like tv antennas and awnings.
You might also want to include Roadside Assistance, which provides around the clock assistance if you have an accident or breakdown while travelling.
Let Grubbs Insurance Agency in Ocala, Florida help you find the perfect policy for your specific needs. We’re here to help when you are considering RV Insurance.
Boat Insurance
You got your boat for fun and the last thing you want to think about is insurance. Let us do the shopping for you to find the perfect coverage for your situation.
The first thing to consider is that your boat might be covered under your homeowners policy. Typically most companies provide limited coverage for small sail boats, power boats with less than 25 mph horse power, and canoes, right on the homeowners policy. It is usually limited to a specific amount or percentage of the home's value. Liability coverage, to protect you if someone is hurt on our around your boat, is usually not included on your homeowners policy.
Larger and faster boats need a separate boat insurance policy. The value, size and type of boat have the greatest impact on premium, but the water you plan to use the boat in will also play a factor. A separate policy will also provide much greater coverage for liability than from the typical homeowners policy.
You can also obtain additional coverage for accessories and trailers. Depending on your situation, additional coverage provided by an umbrella policy (covering your home, boat and car) might be the smart way to go. If you store special equipment (like fishing gear) on your boat, that is another consideration. You should mention this to your insurance specialist to be sure it is covered.
Often you can qualify for discounts on your boat insurance with safety features like US Coast Guard approved fire extinguishers and ship to shore radios, or by taking safety education courses offered by theCoast Guard Auxiliary, U.S. Power Squadrons, or the American Red Cross.
Let Grubbs Insurance Agency help you choose a policy that will fit your individual needs. We’re here to help when you are considering Boat Insurance.
All Terain Vehicle (ATV) Insurance
There is no question that riding an ATV is fun. But, it can also be quite risky. Within an ATV insurance policy, there are a variety of coverage types. Working with a Grubbs Insurance Specialist, together we can help you obtain a policy that provides the maximum coverage for your needs at a price you can afford. Below are some of the types of coverage available to craft the perfect ATV insurance coverage for you.
Liability Coverage
Liability basically covers you against financial loss. Policies may vary in the amount of coverage provided for different types of liability coverage. Bodily injury protects you if another person is injured in an accident involving your ATV that is your fault. Property damage is for damage occurring to another person's property through an accident that you have caused.
Insurance to Cover Your Losses
Collision Coverage is the portion of your policy that helps you to repair or replace your ATV in the event of a collision. Comprehensive covers protects you when your ATV is damaged in a fire or other non-collision incident. Medical payments covers your medical costs associated with injuries resulting from an accident with your ATV.
Other things to consider when shopping for ATV Insurance.
Depending upon the insurance company, ATV insurance can be sold as part of a broader group of insurance. For example, many companies sell all terrain vehicle insurance through their motorcycle insurance division or through an off-road insurance division. When shopping for ATV insurance it is important to think about all of the vehicles you might want to insure - You may be able to get a significant discount by combining these vehicles under one company. Motorcycles, dune buggies, go-carts, golf carts and 4x4s should all be considered.
It is important to share all of this information with your Grubbs Insurance Specialist so that you aren't paying more than you need to for coverage. Let us do the shopping for you. Our specialist will help you find the best ATV insurance coverage for your needs and budget.
Jet Ski Insurance
PWC Insurance, or Personal Watercraft Insurance, includes WaveRunners, Jet Skis, Sea-Doos and more. Whatever type of personal watercraft you own, it is important to know how to safely operate it and to let a Grubbs Insurance Agent help you find the right PWC insurance for your needs.
Jet Ski insurance is designed to help protect you and your watercraft against losses related to vandalism, accidents, and injury or loss of another. We can help you find the right company and coverage for your specific needs and budget.
Jet ski insurance coverage might include protection for...
- damage to another jet ski, boat or dock
- injuries sustained by another person in an accident that is your fault
- injuries to people you were towing behind your watercraft
- negligence of another person using your PWC
- damage to the jet ski
- your own personal injuries resulting from an accident on your watercraft
- towing assistance
- and much more.
That is why it is important to have a conversation with your jet ski insurance specialist at Grubbs Insurance Agency - To craft the perfect Jet Ski Insurance policy for your specific needs.
Golf Cart Insurance
Golf carts are very popular here in Central Florida - especially in our senior communities. And, accidents can happen at any time or any place. These accidents can result in injury to you, your passengers, people outside of your cart, and to property owned by another person. Having golf cart insurance protects you from these kind of risks.
Grubbs insurance offers coverage for both gas and electric golf carts and we have a variety of companies, policies, and options to choose from. A Grubbs Golf Cart Insurance Specialist can help you design the policy that fits your needs and budget.
How you plan to use your golf cart makes a difference in the type and amount of coverage you will need. If you only want to protect your golf cart and you only plan to drive it on a golf course, a simple endorsement to your homeowners insurance policy might be enough.
However, a modified golf cart, regardless of whether it is used strictly at the golf course or off road, requires more coverage. In this case, you may want to consider both ATV insurance and umbrella insurance.
Finally if you plan to drive your golf cart on roads within your community (designated for golf carts with a posted speed of 30 mph or less) you will need modified low speed vehicle coverage in order to protect your cart and yourself from injury and liability.
It is important to let your agent know how you plan to use your vehicle in order to make sure you are properly covered. However, where you want to drive is only one of the considerations affecting your coverage and protection - there are usually a variety of policy options also available. Contact a golf cart insurance specialist at Grubbs Insurance Agency to discuss your specific situation and we will shop from dozens of policies at various companies to find the perfect fit for your situation. Let us do the heavy lifting while you have fun - FORE!!
