• insurance fairview heights il

    Since 1977

  • 10041 BUNKUM RD.

    FAIRVIEW HEIGHTS, IL 62208

  • Motorcycle/Boat/ATV

  • Motorcycle/Boat/ATV insurance options

    Motorcycle Insurance

    Motorcycle Insurance typically offers a combination of collision, liability, theft, and related coverage designed specifically to meet the needs of motorcycle owners. If you own a motorcycle—whether you ride it or not—you need this coverage to protect you from theft, collision, and other common risks.

    Premiums may be affected by:

    • Your driving record
    • Where you keep your motorcycle (in the open or locked up in a garage)
    • Your credit history
    • Years of riding experience
    • Your age
    • Previous coverage
    • Anti-theft devices

    Boat/Yacht Insurance

    According to information from the U.S. Coast Guard, property damage to boats has been increasing. Many states now require boats to be insured. If you have your boat on loan or use a marina, you will probably also be required to insure your boat. If you are not required to insure your boat, it is important you still consider purchasing boat insurance.

    Boat insurance works similar to the insurance for your car and can protect in the same way. But, since boats have different features than your car, you will want to make sure you have all the coverage you need and any savings that may lower your premium.

    Essential Boat Coverage:

    • Liability
    • Physical Damage
    • Theft
    • Medical Payments
    • Motor Coverage
    • Trailer Coverage
    • Boat Covers
    • Docking Fenders
    • Communication Devices

    Available Boat Insurance Discounts:

    • New Boat Discount
    • Automatic Fire Extinguisher Discount
    • Burglar Alarm Discount
    • Ship-To-Shore Radio Discount
    • Approved Boating Education Course Discount

    ATV Insurance

    Most states don't require ATV insurance, and you may have limited coverage if you have a homeowners policy. If you have an ATV, we urge you to contact us and let us review your specific policy to determine whether you need a separate ATV Policy.

    Many insurance companies offer discounts to help lower your premium such as:

    • A discount for completing an approved ATV safety course.
    • A discount for owning and insuring multiple ATVs.
    • A discount for being a member of associations such as the Harley-Davidson Owners Group (HOG), American Motorcyclist Association (AMA) or the Honda Rider's Club of America (HRCA)