Before you take your Kentucky motorcycle on the road or put your boat on the water, it may pay to be certain your Kentucky insurance is ship-shape.
Motorcycles and boats are often significant investments, and the right insurance policy can help protect them. Here are a few tips, courtesy of Charlie Pinson Insurance:
- Evaluate your specific needs. Insuring a boat or a motorcycle is different than insuring your Kentucky car or home. A specialized Kentucky motorcycle policy, for instance, can provide coverage for custom paint jobs and aftermarket equipment that might not be covered if the bike were just added to a generic auto policy.
- Similarly, a specialized boat policy could cover things like the cost to replace lost or damaged fishing gear and costly services such as emergency on-water towing and fuel-spill cleanup. You probably wouldn’t get this coverage by adding a boat to a homeowner’s policy.
- Consult with a Kentucky independent insurance agency – like Charlie Pinson Insurance. Unlike "captive" agents who represent only one company, Kentucky independent insurance agents and brokers are licensed Kentucky insurance professionals who represent several companies. They can offer you a variety of coverages, review and evaluate your policies, suggest new coverage options that meet your changing needs and answer your questions.
"An independent insurance agent or broker can make sure you have the specialized coverage you need to protect your boat or bike," said Jim Lloyd, of the Progressive Group of Insurance Companies. "Some insurance companies provide only bare-bones protection for your boat or motorcycle by simply adding it onto your existing Kentucky auto insurance or homeowner’s policy, but Kentucky independent insurance agents can review and evaluate your needs to help match you with the company that will provide you with the combination of specialized coverage, service and price that’s best for you."
To learn more about Progressive Motorcycle insurance and boat insurance, contact Charlie Pinson Insurance KY at 606.433.0031. Click here for a Kentucky Motorcycle Insurance Quote comparison. If you are a client of Charlie Pinson Insurance, you can make payments for your Kentucky Progressive Motorcycle Insurance here.
