• BOAT
• RV
• MOTORCYCLE
• COLLECTOR CARS

One Fish, Two Fish, Red Fish, Blue Fish
Boat Coverage

Boater's Insurance Can Cover:

• Speed Boats
• Fishing Boats
• Jet Skis and Personal Watercraft
• Yachts
• Classic Wood Hull Boats

Just as you are unique, so are your boat and your insurance needs! Watercraft can also represent a significant financial investment and potential liability risk. In general, watercraft coverage can provide:

• Physical Damage Coverage

This protects you from accidental damage to your boat, motor, boating supplies and trailer.

• Underinsured Boater Coverage

This protects you from damage to your boat or injuries caused by a boater that does not have insurance.

• Towing Coverage

Pays for the cost to have your disabled boat towed back to port so that repairs can be made.

• Liability Coverage

This protects you from claims arising from inuries or property damage arising from the use of your watercraft.

• Medical Payments Coverage

This reimburses you for expenses you may incur resulting from an injury while operating your watercraft.

On The Road Again....
Recreational Vehicle Coverage

Motorhomes, 5th wheel trailers and travel trailers take us to exciting places - whether to see the countryside or just to get away from it all. Many motor homes can easily cost as much as a house and trailers are getting more and more elaborate! These are all factors that signal a need for specific coverage.

• RV Liability Coverage

Coverage that pays for bodily injury and property damage you cause in an auto accident including medical expense, loss of income, damage to vehicles and buildings and rental car coverage.

• Underinsured Motorist Bodily Injury Coverage

This coverage pays for expenses resulting from bodily injury to you and your passengers caused by a driver with insufficent or no insurance. It covers the same medical expenses, loss of income and emotional pain and suffering as does RV Liability.

• Personal Injury Protection

Coverage that helps defray medical and funeral costs, as well as lost wages. This coverage applies if you are injured as a pedestrian or a passenger in a vehicle in the incident.

The above coverages mirror those provided by the auto liability policy. However, there are other coverages that - depending on your situation - should also be considered.

• Enhanced Towing Coverage

A motorhome or large travel trailer will present a more challenging towing situation and as a result it can be more costly. We represent companies that have higher towing limits to pay for these types of claims.

• Replacement Cost Coverage

Like cars, RVs depreciate rapidly. However, some of our companies offer replacement cost coverage for the first year of ownership. In this case, should your RV be a total loss, the company will replace it with a new one. Please ask us about this coverage if you have questions and we'd be more than happy to fill you in on all the details.

• Personal Property Coverage

Many motorhomes can carry quite a cargo of personal belongings. By providing coverage on the RV policy, you can avoid a second deductible (from your homeowners policy) when you have a loss to both your RV and your personal property.

Hog Wild
Motorcycle Coverage

Motorcycles have become a common mode of transportation -whether for pleasure or to replace the services of a car. Here are some important coverages for motorcyclists:

• Motorcycle Liability Coverage

Coverage that pays for bodily injury and property damage you cause in an auto acident including medical expenses, loss of income, damage to vehicles and buildlngs and rental car coverage.

• Uninsured Motorist Bodily Injury Coverage

This coverage pays for expenses resulting from bodily injury to you and your passengers caused by a driver with insufficent or no insurance. It covers the same medical expenses, loss of income and emotional pain and suffering as does Motorcycle Liability.

• Personal Injury Protection

Coverage that helps defray medical and funeral costs as well as lost wages. This coverage applies if you are injured as a pedestrian or as a rider on the motorcycle.

• Comprehensive and Collision Coverages for Damages to Your Vehicle

Collision Coverage pays for damage to your vehicle resulting from a collsion while Comprehensive Coverage pays for most non-collision damages to your vehicle.

• Replacement Cost Coverage

Like cars, motorcycles depreciate rapidly. However, some of our companies offer replacement cost coverage for the first year of ownership. In this case, should your motorcycle be a total loss, the company will replace it with a new one. Please ask us about this coverage if you have questions and we'd be more than happy to fill in on all the details.

Vroom, Vroom, Vroom!
Classic Car Coverage

We have several companies that oiffer insurance coverages specially tailored for:

• Antique Cars
•  Muscle Cars
• Other modified or collector cars

These policies will provide liability coverage for your cara dna lso insure your car for its current value. We know that a collector car can be a prized possession! McDonald McGarry understands that and welcomes the opportunity to prepare a proposal to meet your unique needs. Please call or click above!