If you are out on the water, on the golf course, or on a trail in the woods, you do not want to be questioning if your insurance coverage has you protected. C.K. Ash Insurance can help you be worry free and focus on your day off.
RV & Trailer Coverage?
RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer.
Here are some things to consider when shopping for recreational vehicle insurance:
- Liability Coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.
- You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include
- Stated Value – market value/actual cash value of the RV
- Agreed Value – the insured amount, regardless of the current market value
- Replacement Cost – we will replace your insured RV with a new RV that is most like it
- Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
- Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
- Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.
- Other Additional Coverage can include: Accident forgiveness, pet coverage, diminishing deductible, and more.
- Discounts can lower your premium. Ask us at C.K. Ash Insurance whether you qualify for safe driver discounts, original owner discounts, package discounts and more.
- You Can Save Money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars and boats. It will also simplify your life.
Most states require registered vehicles to be insured at all times and Kentucky is one of those states. So before you go out to drive the beautiful scenic back roads, make sure you call C.K. Ash Insurance to check your Motorcycle Insurance.
Motorcycle coverages are very similar to Auto Insurance, but make sure to discuss your states laws and options with one of our Agents as the minimum coverage could not be enough for your particular situation.
Kentucky Auto Insurance requires that you carry Personal Injury Protection coverage of $10,000 on your policy, but Motorcycle Insurance allows for this to be excluded from your policy. Many companies will automatically input this exclusion to your quote, but at C.K. Ash Insurance we make sure to discuss your options with you first to fit your particular need.
ATV, Golf Cart, Snowmobile, & More Coverage
Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property. What’s more, many national, state, or other public parks require specialty vehicle riders to be properly insured.
At C.K. Ash Insurance we will go over all of your motorized vehicles to make for sure you understand what is covered and not covered. Coverage for these vehicles is very similar to Motorcycle Insurance.
C.K. Ash Insurance will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment.
Here are some items you’ll need to consider when shopping for boat insurance:
- Navigational Area – Know where you are covered in the water. Some companies offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. Additional coverage can be purchased.
- Agreed Value Coverage – Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
- Liability – Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.
- Medical Payments – Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
- Physical Damage Coverage – Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
- Uninsured/Underinsured Watercraft Bodily Injury – Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
- Fuel Spill Liability and Wreckage Removal – Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.
- Personal Effects – Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment.
- Unattached Equipment Coverage – This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.
- Emergency Assistance – The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.