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All recreational-type vehicles can be protected by the same basic coverages, but each one has its own particular requirements and restrictions. Customer service representatives Linda Hottle and Tammy Garland are available to discuss your specific needs and recommend appropriate coverages for your sports and recreation vehicles.
For additional online information, try the following useful link:
Recreational Vehicles
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Boat
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Your homeowners or renters policy may provide limited coverage for small boats such as canoes, small sailboats, and small powerboats with less than 25 mph horsepower. You will, however, need separate specialized coverage for other pleasure boats, and the size, type, value of the craft, and the water in which you use your boat factor into how much you will pay for insurance coverage.
A boat-owners policy will cover you for most risks of owning and operating your boat, motor, and trailer, and it provides liability protection in case you injure someone or damage their property with your boat. LRS&C can also provide enhanced coverage that offers on-water emergency assistance, fuel spill clean up, and wreck removal.
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Motorcycle
LRS&C offers many options for your new or vintage motorcycle, ranging from simple liability coverage to a full array of benefits including liability, comprehensive, collision, uninsured motorist, medical, and roadside assistance. Special policies are also available for customized motorcycles.
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For additional online information, try the following useful link:
Motorcycle Insurance
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Personal Watercraft
Every year nineteen million Americans experience the fun and excitement of riding personal watercraft (PWC) such as Jetskis and Wave Runners. LRS&C insures all types — from stand-up to four-seaters — with America's number one PWC insurance company.
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We offer liability, comprehensive, collision, and uninsured boater coverages, along with water ski, replacement of personal effects, and roadside assistance.
For additional online information, try the following useful link:
Personal Watercraft Insurance
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Motorhome/Recreational Vehicle
A policy for your RV — motorhome, pop-up, or camper — is similar to a homeowners policy. LRS&C can provide total coverage, including total loss replacement, total replacement of personal property, emergency vacation expense, 24-hour roadside assistance, and more.
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If you use your motorhome as a permanent or primary residence (150 or more days a year), "Full Timer's" coverage provides an even broader package with Full Timer's Liability Coverage, Full Timer's Medical Payments to Other Coverage, and Full Timer's Loss Assessment Coverage.
For additional online information, try the following useful link:
Motorhome Insurance
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