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Boat Insurance

Boat InsuranceAt Trey Siner Insurance Group in Concord, NC, we can offer the right insurance protection plan for your boat, motorcycle, motorhome, Recreational Vehicle, travel trailer, golf cart, ATV and many more types of “toys” in North Carolina or South Carolina.

Boat Insurance

Boat insurance, the most common type of watercraft policy is issued for individuals and families. This policy combines property, liability, medical payments, and uninsured boatowners coverage. It fills the coverage gap found in most homeowners policies, particularly with regard to property coverage to the boat, motor and trailer. We can also insure your jet-skis.

We can provide you with a wide variety of coverages for specific needs that you have for your watercraft. Whether you are a fisherman and want to make sure your reels and gear are covered, or a boating enthusiast who loves to head to the lake for a weekend getaway, we can handle all of your boat insurance policy needs, including the following:

  • Total Loss Replacement – Replaces insured’s boat with a brand new one of similar make and quality
  • Disappearing Deductibles – Reduces the deductible by 25 percent at each claim free renewal
  • Replacement Cost Fishing Equipment – Up to $10,000 for tackle, rods, and reels
  • Replacement Cost Personal Effects – Protects the insured’s personal items including cameras, clothes, cell phones, etc
  • 24-hour Roadside Assistance – Covers trailer and tow vehicle, even if tow vehicle is not insured with Progressive Insurance
  • Emergency Towing and Labor – Provides on-water towing service
  • Wreckage Removal Coverage
  • Property Damage Liability – Even includes coverage for fuel spill cleanup
  • Medical Payments – Coverage for boaters as well as jet ski injuries

Call us today at 704-795-6878 for a detailed boat insurance policy proposal designed specifically for your needs.

Motorcycle Insurance

Motorcycle insurance is a stand-alone form designed to provide appropriate coverage for a variety of motorcycles and related vehicles, such as mopeds, scooters, dirt bikes, trikes, all-terrain vehicles, Segway® personal transporters, golf carts, and snowmobiles. A motorcycle is typically defined as (1) a two-wheel land motor vehicle with wheels in tandem (including an attached sidecar) that is designed primarily for use on public roads or (2) a three-wheel land motor vehicle designed primarily for use on public roads. In other words, “motorcycle insurance” is used for your Harley Davidson, but it can also be used for a variety of other land motor vehicles.

Although motorcycles can be added to the personal auto policy (PAP), coverage gaps can result. Several insurers have developed this insurance for motorcycle owners, which reduces or eliminates these gaps. Some insurers also have specialty policies for off-road cycles, such as dirt bikes.

We provide coverage for your customer’s specific needs, with policy options including:

  • Accessory coverage
  • Transport Trailer coverage
  • Roadside Assistance
  • Comprehensive and Collision coverage
  • Bodily Injury/Property Damage Liability
  • Uninsured/Underinsured Motorist coverage
  • Medical Payments
  • Trip Interruption
  • Total Loss coverage
  • Rental Vehicle coverage
  • On-road coverage for off-road vehicles

Recreational Vehicle (RV) Insurance and Travel Trailer Insurance

An RV can serve the purpose of a home or an automobile. Because of this unique ability, home insurance is not adequate, but neither is auto insurance. Recreational Vehicles are special in that they offer an abundance of purposes all in one vehicle, and as such, they require special insurance to make sure that all of your home AND auto needs are covered for your RV.
We provide coverage for your specific needs with policy options including:

  • Total Loss Replacement – replaces a “totaled” RV with a new model of similar make and quality
  • Emergency Vacation Expense – provides up to $2,000 for lodging and transportation if an RV is damaged during a trip
  • Disappearing Deductibles – reduces the deductible by 25 percent at each claim free renewal
  • Full Timer’s Package – extra coverage for customers who use an RV as their home
  • Replacement Cost Personal Effects – protects the insured’s personal items including cameras, clothes, cell phones, etc.
  • 24-Hour Roadside Assistance – provides assistance for disabled vehicles – and we’ll be sure to send a tow truck that can handle your customer’s RV
  • Windshield Coverage – new $0 deductible option for replacing a damaged windshield
  • Free Pet Injury Coverage – pays up to $1,000 toward veterinary fees or the pet’s replacement

For any of your needs for boats, RVs, classic cars, motorcycles, and more “toys” that you own in North or South Carolina, call us today! We represent several carriers that offer excellent discounts on these policies and we would love the opportunity to help you find the best coverage with the right discounts. We can insure your “toys” as well as all of your other insurance needs, so please call us today at 704-795-6878. We are here and ready to serve you!