• Automobile
• Motorcycle / ATV / Segway / Snowmobile
• Boat / Jet Ski / Waverunner / Sea-Doo

a fixed amount of coverage that pays for damages that an insured client is required to pay due to an accident or some form of negligence. Liability insurance is required by law.

Example: John loses control of his car making a turn and hits the only delivery car of a pizza restaurant. Liability insurance would help pay for the physical damages (to the car and its occupant if one were in it) and financial damages (the money the pizza shop might have lost by not having a delivery car).

provides coverage for an insured client's vehicle (after a deductible) in case it is involved in an accident. One might get a payment in order to repair the vehicle or receive the cash value for the car if the insurance company deems that it cannot be repaired (or possibly that repair would be more expensive than replacing the car).

Example: Jane crashes her car into a tree while driving down a neighborhood street and causes $4,523 worth of damage to her vehicle. After she pays her specific deductible of $1,000, her insurance company would give her the additional $3,523 required to fix her car.

this type of coverage accounts for accidents that are not collisions, such as theft, flood, fire, etc. Comprehensive insurance is still subject to deductibles.

Example: While parked at a fast food restaurant, Henry's car gets stolen. It is later left next to a fire and gets engulfed by the flames. After Henry pays his deductible, the insurance company would provide him with money required to pay for these damages.

this type of coverage covers other parties that are responsible for an accident and are either underinsured or uninsured.

Example: While driving down a neighborhood street, John's car got struck from behind by a driver whose insurance policy had been cancelled. John's uninsured motorist property damage protection helped cover the damages to his vehicle even though the other party was at fault.

covers necessary expenses for medical or funeral services provided to you and your passengers as a result of an accident.

Example: Jane was involved in a terrible accident and had some medical bills to pay because of it. Her personal injury protection helped her pay those bills.

an add-on endorsement that covers charges related to towing and the associated labor fees for a disabled vehicle. Coverage depends on your specific policy limits.

an add-on endorsement that covers the difference between the cash value of your vehicle and the amount you owe on it should it need to be replaced by an event covered by your insurance policy.

an add-on endorsement that pays for a rental car while your vehicle is being repaired. Coverage depends on your specific policy limits. This is also called Loss of Use.

an add-on endorsement that covers the loss of described equipment that was not originally installed in your vehicle or is not permantly installed in your vehicle.

an add-on endorsement that pays for the use of new parts furnished by an original equipment manufacturer (when available) to repair or replace damaged parts.

an add-on endorsement that supplements other benefits. Covers you in case death or dismemberment results from injuries sustained while in the insured vehicle.

There is NO LIMIT to the number of discounts that you can acquire!

Up to 3% reduction if you are a member of a qualifying organization.

5% reduction in certain instances if you own a Financial Services Annuity, Life or Health policy with us.

Up to 20% reduction if you insure both your autos and home with us.

Up to 5% reduction if you are insured with us for at least 3 years. Up to 15% reduction if you are insured with us for at least 5 years!

20 - 30% reduction of your medical coverage premiums if your vehicle is equipped with airbags.

Up to 15% reduction in certain instances when a violation-free driving record is maintained.

a fixed amount of coverage that pays for damages that an insured client is required to pay due to an accident or some form of negligence. Liability insurance is required by law.

Example: John loses control of his bike making a turn and hits the only delivery car of a pizza restaurant. Liability insurance would help pay for the physical damages (to the car and its occupant if one were in it) and financial damages (the money the pizza shop might have lost by not having a delivery car).

provides coverage for an insured client's vehicle (after a deductible) in case it is involved in an accident. One might get a payment in order to repair the vehicle or receive the cash value for the vehicle if the insurance company deems that it cannot be repaired (or possibly that repair would be more expensive than replacing the vehicle).

Example: Jane crashes her ATV into a tree and causes $2,503 worth of damage to her vehicle. After she pays her specific deductible of $500, her insurance company would give her the additional $2,003 required to fix her ATV.

this type of coverage accounts for accidents that are not collisions, such as theft, flood, fire, etc. Also covers custom equipment. Comprehensive insurance is still subject to deductibles.

Example: While parked at the mall, Bob's motorcycle gets stolen. It is later found partially submerged in a bayou. After Bob pays his deductible, the insurance company would provide him with money required to pay for these damages.

this type of coverage covers other parties that are responsible for an accident and are either underinsured or uninsured.

Example: While driving down a neighborhood street, John's bike got struck by a driver whose insurance policy had been cancelled. John's uninsured motorist property damage protection helped cover the damages to his vehicle even though the other party was at fault.

covers necessary expenses for medical or funeral services provided to you and your passengers as a result of an accident.

Example: Jane was involved in a terrible accident and had some medical bills to pay because of it. Her personal injury protection helped her pay those bills.

an add-on endorsement that covers charges related to towing and the associated labor fees for a disabled vehicle. Coverage depends on your specific policy limits.

an add-on endorsement that covers the difference between the cash value of your vehicle and the amount you owe on it should it need to be replaced by an event covered by your insurance policy.

an add-on endorsement that pays for a rental car while your vehicle is being repaired. Coverage depends on your specific policy limits. This is also called Loss of Use.

an add-on endorsement that covers the loss of described equipment that was not originally installed on your vehicle including custom parts and accessories. Custom Equipment is already covered if you carry Comprehensive Insurance.

covers damage to or loss of the trailer used to transport your insured vehicle.

an add-on endorsement that supplements other benefits. Covers you in case death or dismemberment results from injuries sustained while on the insured vehicle.

There is NO LIMIT to the number of discounts that you can acquire!

• Accident-Free
• Affinity
• Good Student
• Homeowner
• Long-Term Policyholder

Up to 10% reduction in certain instances when an accident-free driving record is maintained.

Up to 3% reduction if you are a member of a qualifying organization.

Up to 5% reduction if you are a full-time student between the ages of 16 and 24 and meet a certain grade point or scholastic class-ranking requirement.

Up to a 15% discount if you also have a Homeowner's Policy with us.

Up to 5% reduction if you are insured with us for at least 3 years. Up to 15% reduction if you are insured with us for at least 5 years!

Up to 14% reduction if you have multiple policies with us.

Up to 30% discount when you insure more than one motorcyle or powersport vehicle with us. One policy can support up to 12 vehicles. Discounts begin at 10% off for 2 bikes.

Up to 10% discount for members of riding associations such as American Motorcyclist Association (AMA).

Up to 15% reduction in certain instances when a violation-free driving record is maintained.

Up to 5% discount available when an approved safety course is successfully completed.

Money-Saving Discounts --

save on bike parts, riding apparel, riding schools, motorcycle rentals, auto rentals, lodging, motorcycle transport, admission to the Motorcycle Hall of Fame and more! And save up to 10% off of your Motorcycle Insurance.

Chartered Clubs and Riding Events --

enjoy access to more than 1,200 AMA-endorsed clubs sponsoring and / or participating in thousands of events.

AMA MOTOW Roadside Assistance --

provides towing services, emergency fuel and more to keep you safe on the road.

AMA Travel and Tours --

provides tour packages and travel services.

American Motorcyclist Magazine --

12 FREE issues featuring product reviews, tour stories, riding tips and more.

Members-Only Web Access --

access to the members section of the AMA website featuring a ride route database, classifieds and more.

Help 'N Hands Network --

thousands of volunteers ready to assist you if you need help out on the road.

Riding Rights --

protection for your right to ride.

a fixed amount of coverage that pays for damages that an insured client is required to pay due to an accident or some form of negligence.

Example: Mark loses control of his ski boat and crashes into Philip's party boat, causing repairable damage to both vessels. Mark's liability insurance would cover the repairs to Philip's boat.

covers physical damage to the insured vessel. Total Loss Replacement is available for all new boats purchased within the last 13 months that are less than or equal to 2 model years old. Agreed Value is a replacement policy for boats 10 years old or less.

this type of coverage covers other parties that are responsible for an accident and are either underinsured or uninsured.

covers necessary expenses for medical or funeral services provided to you and your passengers as a result of an accident.

covers replacement or repair of personal valuables carried on the insured vessel. Amounts covered are dependent on your policy and range up to $5,000.

covers replacement or repair of fishing equipment carried on the insured vessel. Amounts covered are dependent on your policy and range up to $10,000.

an add-on endorsement that covers charges related to towing your disabled vessel to shore for repairs. Coverage depends on your specific policy limits.

covers damage to or loss of the trailer used to transport your insured vessel.

an add-on endorsement that reimburses rental fees during required repairs. Coverage depends on your specific policy limits.

provides for roadside assistance should you become stranded while towing your insured watercraft.

an add-on endorsement that supplements other benefits. Covers you in case death or dismemberment results from injuries sustained while on the insured vessel.

allows for the removal of wrecked vessels following an accident.

covers you in the case that your insured vessel sustains liability for pollution.

covers repair and replacement of necessary lifts and hoists for your insured vessel.

covers repair and replacement of necessary on-shore equipment for your insured vessel.

There is NO Limit to the number of discounts that you can qualify for!

• Boater Safety Course
• Diesel Fuel
• Fire Extinguishers

Up to 5% discount available when an approved boater safety course is successfully completed.

Up to 5% discount if your boat operates on diesel fuel (diesel is much less flammable).

It pays to be prepared! Discounts may be available if your vessel is equipped with fire extinguishers.

Up to 5% discount when you insure more than one boat or watersport vehicle with us. One policy can support up to 12 vehicles.

Up to 15% reduction if you have multiple policies with us.

Discounts may be available for boats outfitted with a functioning ship to shore radio.

a fixed amount of coverage that pays for damages that an insured client is required to pay due to an accident or some form of negligence.

Example: Steve stays on the road too long and falls asleep at the wheel of his motor home. He veers into the other lane and smashes into Elaine's truck. Steve's liability insurance would cover the repairs to Elaine's vehicle and her related medical expenses.

provides coverage for an insured client's vehicle (after a deductible) in case it is involved in an accident. One might get a payment in order to repair the vehicle or receive the cash value for the vehicle if the insurance company deems that it cannot be repaired (or possibly that repair would be more expensive than replacing the vehicle).

this type of coverage accounts for accidents that are not collisions, such as theft, flood, fire, etc. Comprehensive insurance is still subject to deductibles. Includes some coverage for roadside assistance, custom equipment and vacation liability.

this type of coverage covers other parties that are responsible for an accident and are either underinsured or uninsured.

covers necessary expenses for medical or funeral services provided to you and your passengers as a result of an accident.

this type of coverage is for RV owners who use their RV as their primary residence. It includes expanded coverage including personal liability, loss assessment, medical payments to others, airbag replacement and emergency lockout.

an add-on endorsement that covers charges related to towing and the associated labor fees for a disabled vehicle. Coverage depends on your specific policy limits.

covers replacement or repair of personal valuables carried in the insured recreational vehicle. Amounts covered are dependent on your policy.

an add-on endorsement that covers the loss of described equipment that was not originally installed on your vehicle including custom parts and accessories. Some custom equipment is already covered if you carry Comprehensive Insurance.

pays within specified limits for liabilities you are responsible for while using your RV as a vacation residence. Not available for owners who use their RV as their primary residence.

provides for roadside assistance should you become stranded while traveling with your recreational vehicle.

if you have trouble while out on a trip, this add-on endorsement covers the cost of a rental car and/or lodging expenses while your RV is being repaired. It can also provide transportation home if your RV is not repairable.

covers replacement or repair of a golf cart carried in conjunction with an insured recreational vehicle.

covers damage to or loss a trailer used in conjunction with your insured recreational vehicle. This does not refer to travel trailers.

covers damage to the safety glass installed on the insured recreational vehicle.

covers damage to the awning installed on the insured recreational vehicle.

provides limited coverage of expenses resulting from any single case of identity theft or fraud that is discovered during the policy period. Also provides professional identity recovery and resolution services.

• Accident-Free
• Homeowner
• Long-Term Policyholder
• Multi-Policy
• Multi-Vehicle

Up to 10% reduction in certain instances when an accident-free driving record is maintained.

Up to a 5% discount if you also have a Homeowner's Policy with us.

Up to 5% reduction if you are insured with us for at least 3 years. Up to 15% reduction if you are insured with us for at least 5 years!

Up to 10% reduction if you have multiple policies with us.

Up to 7% reduction if you insure multiple vehicles on one policy. Limit 12 vehicles per policy. Discounts start at 5% for 2, 6% for 3 and 7% for 4 or more vehicles.

Up to 10% discount if you pay your premium in full up front.

Up to 5% discount if you are a member of a qualified RV Association.

Up to 10% discount for providing certification from the completion of an approved RV Safety Course.

Up to 15% reduction in certain instances when a violation-free driving record is maintained.

Discounts may be available for maintaining safety accessories, such as fire extinguishers and audible alarms, in the living area of your recreational vehicle.

• Homeowners
• Condominium
• Farm and Ranch

covers the house and attached structures in the case of accidental direct physical loss except those losses excluded by the policy. Includes built-in or attached items such as built-in appliances or wall-to-wall carpet.

covers other buildings or structures on the property that are separated by clear space from the house. Detached garages and gazebos fall into this category. Covers for accidental direct physical loss to the structure except as excluded or limited by the policy.

covers your personal property such as furniture and clothing (items that are not attached to or built into the home). Covers these items for loss due to fire, smoke, wind, theft and other causes as described by your policy.

covers damage or injury to other people or their property for which you are held liable except as limited or excluded by your policy.

pays for medical or funeral expenses of other people who are injured on your property. Also covers some injuries to others which may occur off of your property, such as your dog biting someone.

pays for reasonable living expenses while your home is being repaired if you are not able to reside in your insured home due to a covered loss.

covers damage and repair from mold, fungi and other microbes resulting from a sudden water accident or steam including hidden and concealed damage that is reported within 30 days of detection. An endorsement is available to cover the costs of testing, remediation and living expenses during repair based on policy limits.

can pay up to an additional 20% of the Dwelling Coverage limit if the home is a total loss and additional money is needed to replace the home.

pays to replace or repair personal property without depreciation being taken from the value of the property.

pays for increased expense to rebuild due to current building codes or ordinances. Example: current zoning may require all new construction to have sprinkler systems. This endorsement would cover the expenses related to bringing the building into compliance with current code.

covers damage caused by sudden and accidental leaking from plumbing, heating and air conditioning systems.

covers damage caused by continuous or repeated leaking from plumbing, heating and air conditioning systems.

broadens the coverage for loss due to water backup through sewers or drains.

provides additional coverage for personal property of higher values such as jewelry, watches, artwork, etc.

endorsement which covers damage to the foundation or slab of an insured home.

up to $100 if your house keys are stolen. Covers to replace or re-key your home locks.

up to $500 to cover damage to contents in refrigerator or freezer due to power interruption.

protects personal property, such as jewelry, that is mobile.

covers damage to dwelling caused by freezing. Typically does not apply if the home is vacant.

There is NO limit to the number of discounts you can qualify for!

• Age of Construction
• Age of Insured
• Claims Free
• Deadbolt Locks
• Fire Extinguishers
• Home and Car

Up to 30% discount based upon the age of the home.

Up to 15% discount if insured owner is at least 60 years old.

Up to 20% discount when you are claims free.

Discounts are available when you install deadbolt locks on all exterior entryways.

Discounts are available when the home is equipped with functioning and current fire extinguishers.

Up to 20% reduction if you insure both your home and your car(s) with us.

Discounts are available if your home is equipped with a motion detection alarm that notifies police in the event of detected movement in a room where the alarm is set.

Up to 15% reduction if the home is equipped with monitored burglary and / or fire alarms.

Discounts available if your roof is made of qualifying noncombustible materials.

5% discount if insured is married or widowed.

Discounts available if home is equipped with automatic sprinkler system in case of fire.

Discounts available if home is equipped with functioning smoke detectors. Remember to include one in each bedroom, family room and kitchen at minimum. And always remember to change the batteries at least twice a year in battery-operated detectors!

covers the condo unit and attached structures in the case of accidental direct physical loss except those losses excluded by the policy. Includes built-in or attached items such as built-in appliances or wall-to-wall carpet.

covers other buildings or structures on the property that are separated by clear space from the condo. Detached garages and gazebos fall into this category. Covers for accidental direct physical loss to the structure except as excluded or limited by the policy.

covers your personal property such as furniture and clothing (items that are not attached to or built into the condo). Covers these items for loss due to fire, smoke, wind, theft and other causes as described by your policy.

covers damage or injury to other people or their property for which you are held liable except as limited or excluded by your policy.

pays for medical or funeral expenses of other people who are injured on your property. Also covers some injuries to others which may occur off of your property, such as your dog biting someone.

pays for reasonable living expenses while your condo is being repaired if you are not able to reside in your insured condo due to a covered loss.

covers damage and repair from mold, fungi and other microbes resulting from a sudden water accident or steam including hidden and concealed damage that is reported within 30 days of detection. An endorsement is available to cover the costs of testing, remediation and living expenses during repair based on policy limits.

can pay up to an additional 20% of the Dwelling Coverage limit if the condominium is a total loss and additional money is needed to replace it.

pays to replace or repair personal property without depreciation being taken from the value of the property.

pays for increased expense to rebuild due to current building codes or ordinances. Example: current zoning may require all new construction to have sprinkler systems. This endorsement would cover the expenses related to bringing the building into compliance with current c