Boat Motorcycle RV
These policy types are considered miscellaneous property and are very inexpensive and offers peace of mind while engaged in hobbies and activities that we love! McBride Group will get you the most competitive premium and provide a custom tailored policy for your unique situation.
Type of Policy:
Boat:
The policy is similar in design to a homeowners policy and in coverage to a personal auto policy. This policy is generally used for boats that can be towed by personal vehicles.
Yacht:
Larger vessels are often insured under the complete package of yacht coverage which includes, physical damage to ship, fittings, and machinery. Liability and Medical payments protection is also included.
Collector / Antique Boat:
Type of Collector / Antique Boat:
Runabouts
Runabouts typically range in size from 14’ to 33’ and are characterized by a closed top deck with individual cockpits seats. Some common examples include barrel back designs, larger triple cockpits and gentleman’s racers.
Utilities typically range in size from 12’ to 30’ and are characterized by a large open interior with a top deck forward of the windshield. They are often the most popular designs, as the open interior lends them to things like waterskiing and fishing.
Cruisers range from 26’+. There are several design types including: Sedan, Aft cabin, Flush deck, Express, Sport fish etc. Cruisers are equipped with enclosed cabins. They often include a head, galley, systems to provide power, and store water and waste.
Sailboats range from 12’ open boats to much larger vessels with full cabins. There are several specific design types: Yawl, Gaff rig, Cutter, Catboat, Sloop, etc.
Additional vessels may include: launches (including steam), skiffs, wooden canoes, trawlers, home-built or wooden kit boats, and excellent reproductions of classic wooden boats.
Type of Coverage:
- Agreed Value hull coverage
- Watercraft Liability, including Salvage & Fuel Spill coverage
- Uninsured Boater coverage
- Medical payments
- Towing coverage
- Personal Effects coverage
Additional coverage options are available and include:
- Paid Captain/Crew Liability
- Hurricane Protection
- Electronic Equipment Deductible
- Fixed Trailer Deductible
Motorcycle:
Having fun, being responsible and being safe when we are talking about motorcycle ownership. Motorcycle insurance is the responsible way to protect you from liability issues as well as damage and loss.
Collector / Antique Motorcycle:
Like personal use motorcycles, they are considered symbols of individuality, and a statement of their times. A growing number of collectors are preserving classic motorcycles for future generations.
Collector / Antique Motorcycles are becoming increasingly more valuable and collectible. In general, insurance is offered on bikes from the late 1960s and older. However, depending on the model, some insurers will consider bikes produced up to 1981.
Collector / Antique vehicles that may qualify:
Usage
Collector / Antique auto provides coverage for collector vehicles that are used on a limited basis — e.g. club functions, exhibitions, organized meets, tours and limited pleasure driving.
Storage
Collector vehicles must be stored in an enclosed and secure structure when not in use. Qualifying storage locations include private residential garages, private pole buildings or barns and rental storage units.
Driver eligibility and driving history
Generally, one or two minor traffic violations or accidents are acceptable. All household driving records are subject to review by an underwriter.
Regular-use vehicles
All household members with a valid driver’s license must have a regular-use vehicle for daily driving. Motorcycles and public transportation are not considered regular use vehicles for our program. Applicants must also maintain regular-use insurance in his or her own name.
Recreational Vehicle (RV):
McBride Group is dedicated to providing you the right motor home insurance protection at the right price. We may assist you if your RV is a Class A, Class C, Fifth Wheel, Travel Trailer or Camper Shell.
Type of Coverage:
- Personal Contents Coverage
- Replacement Cost Coverage
- Single Limit Coverage (Collision/Comprehensive/Liability)
- Permanent Attached Items Coverage
- Emergency Travel Allowance Coverage
All Terrain Vehicle Policy (ATV):
We know your ATV is a necessity whether you're a rancher, hunter, or trail rider. We also know that you want to be covered if your ATV is stolen or damaged, and proper ATV insurance coverage can help protect your asset.
Type of Coverage:
- Liability Coverage
Pays damages for property damage or bodily injury for which any insured is at-fault due to an accident. Personal injury protection may be covered for treatments resulting from an accident, including medical, lost earnings, rehabilitation, and replacement services.
- Uninsured / Underinsured Motorist Coverage
Pays damages that an insured is entitled to recover from the owner or operator of an uninsured / underinsured vehicle.
- Collision Coverage
Pays to repair or replace insured ATV in the event of an impact with another vehicle or object.
- Comprehensive Coverage
Pays for damages for any other cause of loss which is not defined under collision coverage and which is not excluded from the policy such as fire, theft, windstorm, hail, flood, vandalism, riot, contact with a bird or animal, etc.
Jet Ski Policy:
A personal watercraft provides hours of fun on the water to you, your friends, and your family.
Type of Coverage:
- Damage or Theft
- Bodily Injury to you or passenger
- Towing Assistance
- Medical Payments
- Damage to crafts or docks
- Negligence of other drivers
- Protection while on land
Disclaimer
**The feature icons displayed are a summary for informational purposes only. Review the evidence of coverage and insurance policy (plan contract) for a detailed description of coverage benefits, limitations, and exclusions.**