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Not all bikes are the same. Insurance isn’t all the same, either.
Picking good motorcycle insurance is more than just choosing between comp and collision or liability-only. Here are four questions to ask yourself about coverages and options before you switch to a new policy or renew your current one.
People living in earthquake-prone areas are generally more aware of earthquake safety than others. Consider California and its history of earthquakes, for instance. Awareness of the risk is relatively high in the state, according to Munich Re. California’s building construction standards are among the strictest in the world, and many people and businesses participate in International ShakeOut Day, which has become a worldwide day of action and a helpful reminder of how to protect yourself and others during an earthquake.
So, you’ve done the hard part and purchased a rental property. You’ve bought deadbolts, security devices, smoke detectors and fire extinguishers to keep your tenants safe. You’ve also created the perfect lease to outline the terms and conditions of what you expect from your tenants. If you haven’t talked to your American Modern® insurance agent about the right insurance coverage for your rental property, you could face some sleepless nights worrying about what could possibly go wrong.
When someone yells, “Get out of the way!” you should. In fact, we’ll pay you for getting out of the way. One of the benefits of your Boat or Yacht policy, or Collector Vehicle policy, is that we’ll cover part of the cost to move your vessel or vehicle to safety when it’s threatened by a named storm, wildfire, or other pending disaster such as a flood.
A little advance planning is needed. For smaller watercraft you should contract with hauling company to get it to on-land storage when threatened (of course you will need to make that kind of arrangement well in advance). For larger watercraft, it’s much easier just to navigate out of harm’s way in advance. Either way, we’ll reimburse you up to $500 for the cost and a higher reimbursement limit is available as an optional endorsement.
For a collector car, just drive or tow it away from the impending disaster. We’ll reimburse you up to $200 for that cost.
Your agent may provide you with a short form that lets us know where you are normally moored or garaged, and where you expect to be during an emergency. Otherwise, it’s just a matter of acting quickly and then showing us your expense receipts later.
You may never need it, but this policy perk will save you both money and a headache if you don’t get out of the way when you can.
For information only. Not applicable to all situations.
Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA American Modern Insurance Company (Lic. No 2222-8).
