Boat, Motorcycle and RV Insurance

What You Need To Know About Boat, Motorcycle and RV Insurance

Living in Southwest Florida, we have ample opportunity to explore the great outdoors. Whether you take advantage of our natural beauty by boating the waterways, cruising the roadways, or camping under the stars - adventure abounds! Don’t let your pursuit of fun with friends and family be ruined by a lack of insurance or proper coverage.

Although Florida does not have any insurance requirements, lenders typically do. Therefore, if you have borrowed money to obtain your boat, insurance may be necessary. Most marinas or boat storage facilities will require the boat owner to maintain adequate insurance coverage to utilize their services.

By working with The COTA Group, you can be sure that all of your outdoor and recreational excursions are safe and protected. Get out there and enjoy - we’ve got you covered.

Boat Insurance

There are a wide variety of boaters in our region, and The COTA Group is here to ensure they have the insurance coverage they need. A boating insurance policy covers damages and injuries caused to others on the water, much like on the road. If you are at fault - or even partially at fault - in a boating accident, your coverage will pay to:

• Repair or replace your boat if physical damage was done (including theft and vandalism)
• Repair or replace someone else’s damaged property
• Pay medical expenses for the boat driver, passengers, skiers, tubers, or wakeboarders
• Cover necessary fuel clean-up costs if your boat releases fuel or sinks
• Cover towing or on-water mechanical assistance

RV Insurance

Down the road, across the state, or a full-blown road trip, camping is a great way to get away from it all. Your RV, motorhome or camper is like your automobile and requires insurance to protect you in the case of an accident. An RV policy is similar to car insurance, and will provide:

• Bodily injury and property damage coverage
• Coverage for necessary medical expenses
• Uninsured motorist coverage

RV insurance policies also offer additional coverages such as Vacation Liability insurance, Roadside Assistance, and Personal Effect insurance.

Motorcycle Insurance

There are few feelings more exhilarating than being on the open road on a sunny Florida day. But, having the best protection is necessary before taking to the streets. Motorcycle insurance is available for street bikes, touring bikes, dirt bikes, and even ATVs - if you drive it, we cover it. Your motorcycle coverage includes standard coverages, much like an automobile policy.

• Bodily Injury Liability: This coverage becomes necessary if injury or death of another party occurs as a result of an accident in which you were fully or partially at fault
• Basic Property Damage Liability (PDL): PDL is a required coverage that pays for the damage done to another person's property, whether caused by you or another individual operating your vehicle.
• Collision Damage: This provides coverage for your vehicle when it is in a collision with another automobile or object.
• Comprehensive insurance will cover damage to your vehicle, theft, or vandalism.
• Passenger liability will cover injuries sustained by those riding with you.
• Medical expense coverage is provided for you and any of your passengers.
• Uninsured motorist covers injuries caused by an uninsured/underinsured, or hit-and-run driver.
• If chosen at the time of policy issuance, your coverage can include custom parts and equipment coverage.
• Roadside assistance is also an option.

Ask About Discounts!

If you are a true adventurer with multiple vehicles, ask us about discounts for bundling your policies. You may also qualify for better rates if your bike or RV is garaged, or if you have taken safe driver classes. So be sure to ask your COTA Group insurance advisor about all of the ways you can save money.