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Robertson Ryan Insurance Blog

All You Ever Wanted to Know About Insurance

InTouch Insurance Show KLAV 1230 AM for Thursday, May 10th

In this week’s InTouch Insurance Show, Dave Ferderer and I discussed the importance of insuring more than just your cars and your home.  With summer just around the corner and the weather getting warmer, some need to consider shopping around for the proper insurance coverage on specialty items such as boats, motorcycles, ATVs, RVs, dune buggies, trailers, haulers and other recreational vehicles.

Following are some points to keep in mind regarding boat insurance:

1)      Coverage – including personal effects on water towing, etc.

2)      Agreed Value vs. Actual Cash Value (ACV)

3)      Waters navigated

4)      Engine size

5)      Trailer

6)      Perils covered

7)      Live aboard

8)      Boating experience and training

9)      Safety tips

Here are some things to consider for other specialty items such as motorcycles, ATVs and dune buggies:

1)      Coverage

2)      Street bikes vs. Cruisers

3)      Pricing

4)      Perils covered

5)      Usage

6)      Cycle training and experience

7)      Safety tips

For bigger vehicles such as RVs, trailers and haulers, there are also some important items to consider:

1)      Coverage

2)      Difference among RV types (Class A, B, C, haulers, etc.)

3)      Agreed Value vs. ACV

4)      Perils covered

5)      Usage impact rate

6)      Full-timers liability

Now is the time to find out if you’re properly covered with the right insurance for any of these specialty items.  If you have any questions or concerns about your current insurance coverage or want to shop around for different insurance policies, please feel free to contact us at or call us in Summerlin at 702-304-9998 or Silverado Ranch at 702-617-1870. 

Download and listen to the show here