Do you own a recreational vehicle, watercraft or motorcycle?
If so, it’s important to protect your investment with a sound insurance policy from
Lewis & Associates.
Whether you enjoy touring the countryside in your RV, boating with the family, or
hitting the open road on two wheels, we offer a policy that will help you enjoy
your leisure time without worry.
We understand that all vehicles and situations are unique. This is why we offer a
variety of coverage options including:
• Total Loss Replacement – Replace your vehicle with a brand new one of similar
make and quality.
• Liability coverage with limits up to $5,000,000*
• Water Sports Coverage – For activities such as knee-boarding and tubing
• Medical Payments Coverage – Available up to $10,000 per occurrence
• Replacement Cost Personal Effects – Primary coverage for personal items
such as cameras, radios, sunglasses, cell phones, etc.
• 24-hour roadside assistance
• On-water towing
• Customization options to meet your specific needs
• Emergency vacation expenses
• Your choice of deductible – We offer a wide selection of deductibles ranging
from $50 to $5,000.
We also offer a number of discounts, including:
• Homeowner discount
• Multi-vehicle and multi-policy discount
• Safety course discount
• Claim-free discount.
Protection anytime, anywhere
With an RV, watercraft or motorcycle policy from Lewis & Associates, you can
enjoy the benefits of uninterrupted, all-seasons coverage.
*Umbrella Policy Required for Limits of $1MM and up.
Frequently Asked Questions
- Q: Is my boat covered while it is being
towed behind my vehicle?
A: Liability coverage is extended from your auto policy
and only applies to damages that your boat may cause. However damage to your boat
is not covered under the auto policy.
- Q: Are my ATVs covered under my homeowner’s
policy?
A: No, a homeowner’s policy does not provide coverage
for motorized vehicles such as ATVs.
- Q: Should I just place my recreation
vehicle or watercraft insurance with my auto/ homeowner’s carrier?
A: While many auto/homeowner’s companies also insure
recreation vehicles and watercraft, they typically don’t provide the specialized
coverage, such as towing/roadside assistance, on water towing, and special equipment,
that most owners would want in the event of a claim.
- Q: Do I need to add custom equipment
coverage to my motorcycle?
A: Most specialty motorcycle carriers offer up to $3000
in custom equipment automatically. However, most motorcycle enthusiasts have more
than $3000 in custom equipment. It’s a coverage that can easily be increased for
a minimal cost.
- Q: If I get a ticket on my motorcycle
could it affect my auto insurance?
A: Yes, it would be considered a point on your DMV record
and therefore could affect your auto insurance rates.
- Q: Does a DUI/DWI while operating my
watercraft affect my auto insurance?
A: A DUI/DWI is reported to the DMV just as if it had
happened while driving a motor vehicle. The resulting license suspension or violation
on your DMV record could also affect your auto insurance.