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Boats, RVs, motorcycles & classics
Your auto and home policies mostly exclude these. Each needs its own form.
Start the boats, rvs, motorcycles & classics application →- What it covers
- Liability and physical damage on the vehicle or vessel
- Trailers, towing, and roadside
- Agreed value on classic and collector cars
- Personal effects on board, up to a limit
- What it doesn't cover
- Racing and competitive use
- Commercial or charter use
- Wear, mechanical failure, and marine growth
- Typical limits
- Liability commonly $300K to $500K, with an umbrella above it. Classic cars are written on agreed value rather than depreciated value.
- Worth knowing
- Classic and collector policies price on limited annual mileage and secure storage, which is why they cost far less than a standard auto policy for the same car.
Common questions about boats, rvs, motorcycles & classics
What does boats, rvs, motorcycles & classics cover?
Liability and physical damage on the vehicle or vessel. Trailers, towing, and roadside. Agreed value on classic and collector cars. Personal effects on board, up to a limit.
What does boats, rvs, motorcycles & classics not cover?
Racing and competitive use. Commercial or charter use. Wear, mechanical failure, and marine growth.
What limits are typical?
Liability commonly $300K to $500K, with an umbrella above it. Classic cars are written on agreed value rather than depreciated value.
What should I watch out for?
Classic and collector policies price on limited annual mileage and secure storage, which is why they cost far less than a standard auto policy for the same car.