Whether you own a Motorcycle, RV, Travel Trailer, Boat, Jet Ski, ATV, Snowmobile or all of them. Lenzinger Insurance Agency knows how to insure you; Protecting your toys and your future!
Our family enjoys Camping in tents and our Travel Trailer (all right, we enjoy camping in our travel trailer and we sometimes will camp in a tent), riding ATV's at Pismo Beach and in the mountains, and we enjoy boating, tubing, wake boarding and occasionally, wake surfing.
These are some great family activities that your family may enjoy as well. We know how much fun these toys can be. We also know how important it is to be insured properly while enjoying these activities because accidents and things do, on occasion, occur.
Don't be left wondering "if" you are covered.
Call Lenzinger Insurance Agency today at 559-440-0742 to help you insure you and your toys with the The Right Coverage. At The Right Price. With The Right Company!
Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state.
In order to find out what coverage is best for you, it is important to understand all the options available.
» Liability coverage
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.
» Collision coverage
Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
» Comprehensive coverage
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.
» Uninsured/underinsured motorist coverage
Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages.
This coverage typically pays for medical treatment, lost wages and other damages. If your uninsured/underinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be purchased separately.
» Tips for the cost-conscious rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.
Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
Maintaining a good driving record with no violations will also help reduce your premiums.
In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium. (With permission - Insurance Information Institute)
Call Lenzinger Insurance Agency today at 559-440-0742 to help you find The Right Coverage At The Right Price With The Right Company!
Motorhomes and Travel Trailers are basically a home on wheels and they should be insured accordingly. Typically, neither an auto policy nor a homeowner's policy provides adequate insurance for your Motorhome or Travel Trailer. These are very large vehicles which, if involved in an accident, can cause considerably more damage than a regular car. They also have unique needs, items or belongings and circumstances that a typical auto and home policy just does not cover.
You will be surprised how affordable this specialty coverage is.
Below are some of the coverages on a typical Motorhome or Travel Trailer policy:
Bodily Injury/Property Damage
Uninsured Motorist/Underinsured Motorist
Medical Payments
Increased Liability Limits
Physical Damage- Comprehensive & Collision
Replacement Cost Personal Effects
Full Timer’s Personal Liability
Vacation Liability
Total Loss Replacement Cost/Purchase Price Options
Purchase Price Guarantee Option
Agreed Value Coverage Option
Extended Utility Trailer Coverage
Call Lenzinger Insurance Agency today at 559-440-0742 to help you find The Right Coverage At The Right Price With The Right Company!
Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mile per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home's property value and generally includes the boat, motor and trailer combined. Liability coverage is typically not included–but it can be added as an endorsement to a homeowners policy. Check with your insurance representative to find out if your boat is covered and what the limits are.
Larger and faster boats such as yachts, and personal watercraft such as jet skis and wave runners require a separate boat insurance policy. The size, type and value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.
For physical loss or damage, coverage includes the hull, machinery, fittings, furnishings and permanently attached equipment as part of either an actual cash value policy or on an agreed amount value basis. These policies also provide broader liability protection than a homeowners policy. But there are distinct differences between the two types of policies.
» Actual Cash Value policies pay for replacement costs less depreciation at the time of the loss. In the event of a total loss, used boat pricing guides and other resources are used to determine the vessel’s approximate market value. Partial losses are settled by taking the total cost of the repair less a percentage for depreciation.
» Agreed Amount Value basis policies mean that you and your insurer have agreed on the value of your vessel and in the event of a total loss you will be paid that amount. Agreed Amount Value policies also replace old items for new in the event of a partial loss, without any deduction for depreciation.
Boat insurance also covers:
Bodily injury—for injuries caused to another person
Property damage—for damage caused to someone else’s property
Guest passenger liability—for any legal expenses incurred by someone using the boat with the owner’s permission
Medical payments—for injuries to the boat owner and other passengers
Theft
Most companies offer liability limits that start at $15,000 and can be increased to $300,000. Typical policies include deductibles of $250 for property damage, $500 for theft and $1000 for medical payments. Higher limits may be available. Additional coverage can be purchased for trailers and other accessories. Boat owners may also consider purchasing an umbrella liability policy which will provide additional protection for their boat, home and car.
Boaters should also inquire about special equipment kept on the boat, such as fishing gear, to make sure it is covered and verify that towing coverage is included in the policy.
Boat owners should also inquire about discounts for the following:
Diesel powered craft, which are less hazardous than gasoline powered boats as they are less likely to explode
Coast Guard approved fire extinguishers
Ship-to-shore radios
Two years of claims-free experience
Multi-policies with the same insurer, such as a car, home or umbrella policy
ATV's are not generally coverd by homeowners, auto or motorcycle insurance policies. ATV's have their own unique exposures and policies for thier unique nature.
Liability and physical damage, including theft and collision, can be alot more affordable than one might think. Pennies a day.
Don't let theft, or an unfortunate incident, keep you from enjoying your ATV, whether it is for work on the farm or play at the beach or mountains.
Call Lenzinger Insurance Agency today at 559-440-0742 to help you find The Right Coverage At The Right Price With The Right Company!
Personal watercraft are not generally covered by homeowners or auto insurance, and where they are, the coverage limits can be fairly low. You may need to purchase a specifically designed policy in order to insure these vessels.
The personal watercraft policy covers:
Bodily injury
Property damage
Guest passenger liability
Medical payments
Theft
Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments, although these may vary from company to company.
Liability limits start at $15,000 and can be increased to $300,000. This coverage will provide financial protection if your personal watercraft is involved in an accident.
Most policies also include water sports liability, which covers risks associated with activities such as waterskiing.
Consider buying an umbrella policy which will provide more liability protection. One million dollars in extra coverage costs about $300 a year and would extend to your home and auto insurance policies.
If you have several personal watercraft, you may qualify for a multi-boat discount on your insurance. Additional coverage can also be purchased for trailers and other accessories. (With permission - Insurance Information Institute)
Be sure to ask us about your specific needs!
Call Lenzinger Insurance Agency today at 559-440-0742 to help you find The Right Coverage At The Right Price With The Right Company!
Travel Trailers and Motorhomes are basically a home on wheels and they should be insured accordingly. Typically, neither an auto policy nor a homeowner's policy provides adequate insurance for your Travel Trailer or Motorhome. These are very large vehicles which, if involved in an accident, can cause considerably more damage than a regular car. They also have unique needs, items or belongings and circumstances that a typical auto and home policy just does not cover.
You will be surprised how affordable this specialty coverage is.
Below are some of the coverages on a typical Motorhome or Travel Trailer policy:
Bodily Injury/Property Damage
Uninsured Motorist/Underinsured Motorist
Medical Payments
Increased Liability Limits
Physical Damage- Comprehensive & Collision
Replacement Cost Personal Effects
Full Timer’s Personal Liability
Vacation Liability
Total Loss Replacement Cost/Purchase Price Options
Purchase Price Guarantee Option
Agreed Value Coverage Option
Extended Utility Trailer Coverage
Call Lenzinger Insurance Agency today at 559-440-0742 to help you find The Right Coverage At The Right Price With The Right Company!
Snow Mobile's are not generally coverd by homeowners, auto or motorcycle insurance policies. Snow Mobile's have their own unique exposures and policies for thier unique nature.
Liability and physical damage, including theft and collision, can be alot more affordable than one might think. Pennies a day.
Don't let theft, or an unfortunate incident, keep you from enjoying your Snow Mobile.
Call Lenzinger Insurance Agency today at 559-440-0742 to help you find The Right Coverage At The Right Price With The Right Company!
