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Recreational Insurance

Recreational Insurance ServicesWhen you are finally able to get out and get away to enjoy the great outdoors, the last thing you want to worry about is whether or not you are covered in case of accident, theft, or other mishap. Whether you own a motorcycle, boat or personal watercraft, off-road vehicle, motor home, or travel trailer, we can help provide the right insurance for you.

As an Insurance Agent, I can offer you coverage for all of your recreational vehicles which will also earn you multi-policy discounts. See below for details on our Motorcycle, Off Road Vehicle, Boat, Motor Home and Travel Trailer policies and then contact me for a quote today!

Enjoy the peace of mind that comes from knowing you’re riding with us. We offer insurance in Texas for a variety of different types of bikes and vehicles, including golf carts, 4-wheelers, dirt bikes, cruisers, classics, custom, sport, touring, and trike conversions. A Motorcycle/Off-Road policy from the Foremost Insurance Group provides superior coverage, and more value, than many other policies on the market today. It offers many extra features such as coverage for helmets, safety apparel, transport trailers and trip interruption expenses.

Here are some of our popular coverages and discounts:

  • During a claim your motorcycle parts are only replaced with OEM parts, never after-market parts
  • Replacement Cost Total Loss Settlement provides replacement cost coverage for up to two years on bikes purchased new and with a maximum MSRP of $35,000.
  • Optional Equipment coverage provides up to $15,000 coverage for most permanently attached accessories such as parts, decorations, custom painting, chroming, sidecars or other items that were not originally provided by the manufacturer. $3,500 of Optional Equipment coverage is included with Comprehensive coverage.
  • 10% discount on motorcycle policy if the first named Insured has one or more personal lines or life insurance policies with one of the Farmers/Foremost/Bristol West/Zurich companies.
  • 5% discount on Farmers Auto Insurance for having a motorcycle policy with Foremost Insurance.

A Family Boaters policy from the Foremost Insurance Group provides a great combination of coverage and flexibility. If your perfect day includes getting out in your boat for fishing, water skiing, or sailing, trust Farmers for your insurance needs.

Here are some of our popular coverages and discounts:

  • Total Loss Settlement or Actual Cash Value settlement options available. The total loss settlement option pays the amount of insurance listed on the Declarations Page for total and constructive total losses (subject to restrictions on age of boat).
  • Personal Property Coverage – Open Perils coverage, includes wearing apparel, sports and fishing equipment. Replacement Cost available.
  • Pollution Liability, Wreck Removal and Waterski/Towing Sports Liability included for no additional charge when Personal Liability coverage is purchased.
  • 10% discount on boat policy if the first named Insured has one or more personal lines or life insurance policies with one of the Farmers/Foremost/Bristol West/Zurich companies.

 

Many think their personal watercraft is covered under their homeowner’s policy, but you generally need more insurance to properly protect your assets and your watercraft. Available types of coverage include:

  • Physical Damage
  • Medical Payments
  • Wreck Removal
  • Liability
  • Watersports Liability
  • Pollution Liability
  • Uninsured watercraft

 

It’s not just a car; it’s more like your home. When you hit the open road in your RV, cruise comfortably knowing Farmers offers the right policy to meet your needs. A Motor Home or Travel Trailer policy from the Foremost Insurance Group provides a great combination of coverage and flexibility. A specialized policy means coverage whether it’s a brief trip, or a long journey taking weeks or even months, from small pop-up campers to big fifth wheel rigs to almost any type of motor home on the market.

Here are some of our popular coverages and discounts:

  • Vacation Liability in $10K, $25K and $50K coverage limits available.
  • In the event of total loss in the first 5 model years, replaces unit with brand new, current model of like kind and quality
  • Accessories such as awnings, cabanas and satellite dishes are automatically included
  • Diminishing deductible-For each consecutive year a Motor Home/Travel Trailer is insured by Foremost Insurance without a paid loss, we will reduce any applicable deductible by 25%
  • 10% discount on Motor Home/Travel Trailer policy if the first named Insured has one or more personal lines or life insurance policies with one of the Farmers/Foremost/Bristol West/Zurich companies.

Popular coverage options include:

  • Total Loss Replacement – will replace it with a brand new model if it’s destroyed in its first five years. In years 6-10, you’ll receive what you paid for it.
  • Campsite/Vacation Liability – provides liability coverage when you’re parked and residing in your motorhome
  • Full Timer – provides liability coverage much like a homeowners policy when you’re parked and residing in your motorhome
  • Emergency Expenses – pays lodging or the cost to travel home if your RV is destroyed or damaged by a covered loss when you’re more than 50 miles away from home
  • Replacement Cost – covers lost, stolen, or destroyed personal
  • Towing and Roadside Assistance – pays towing, locksmith, tire changes, jump starts and more

 

No matter what your idea of the perfect outdoor escape might be, Farmers has a policy for you. Whether you’re looking for coverage for a motorcycle, boat, RV, or other recreational vehicle, agent Angela Johnson can offer a policy to meet your needs.

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