At Main Street Insurance, we have the coverage you need to fit your recreational lifestyle, whether you gravitate to the snow, land, highway, or water. As an independent agency, we can help you assess the various risks associated with your hobbies and how they could affect you and your finances in the event of an accident. And as always, the more coverage lines you shop through us, the more likely you are to save.
Snowmobile
Whether you’ve been snowmobiling most of your life or only recently picked up the sport, you need insurance that protects you, your vehicle, and your passengers against accidents, injuries, and loss. We offer policies that can protect you against liability if you injure someone or damage their property while operating your snowmobile, as well as coverage for damages to your vehicle due to collision and non-collision events.
We can also show you how to keep your snowmobile insurance rates low by installing a theft-recovery device, taking a snowmobile safety course, insuring multiple vehicles on your policy, or purchasing multiple lines of coverage from the same insurer.
ATV
Whether you use your ATV for trail riding or keep around home for work on your farm or ranch, we have the coverage you need. We can help you find a policy that protects your all-terrain vehicle against damage and theft, as well as your finances against any liability you may incur for third-party injuries or property damages you cause while operating your ATV. Be sure to mention any special equipment or upgrades you’ve made to your ATV when purchasing your coverage, as additional protection may be available to cover those, too.
In some cases, additional ATV insurance discounts are available if you complete an ATV driver safety course, insure multiple all-terrain vehicles under one policy, or purchase other lines of coverage from the same insurer.
RV
Your RV is your home away from home. Give it the protection it deserves with a comprehensive RV insurance policy from Main Street Insurance. We can help you shop and compare coverage from multiple Wisconsin insurers to find a policy that pays for your losses and liabilities while traveling and while parked at a campsite.
When you’re on the road, you might need coverage for collision and liability, as well as towing, roadside assistance and trip interruption insurance if things don’t quite go as planned on your trip. We can also provide coverage for your personal belongings, campsite liability, theft, and vandalism, as well as medical payments for your passengers and comprehensive protection for your motorhome when it is damaged in a non-collision event.
As with other forms of coverage, you may qualify for discounts on your RV insurance if you remain claims-free, maintain a good driving record, purchase multiple policies from the same insurer, or take a qualified RV safety course.
Boat
In the ‘Land of 15,000 Lakes’, as our great state is so fondly referred to, many residents own boats for summertime fun. If you are planning to buy a new watercraft, insure it with a boat insurance policy that covers you, your boat, and your passengers against potential injuries and loss.
We offer boat insurance policies that cover many different types of recreational boats, including:
- Sailboats
- Deck boats
- Pontoons
- Ski boats
- Bowriders
- Bass boats
- Personal watercraft
- And more
Your policy can include coverage for physical damages to your boat, injuries you and your passengers sustain in an accident, and any injuries or property damages you cause to a third-party. We can also include protection for your personal effects, special equipment, and emergency service and towing out on the water.
Talk to your independent agent about ways you can save on boat insurance. Discounts may be available for policy-holders who take qualified boater safety courses, remain claims-free, or purchase multiple lines of coverage from the same insurer.
Motorcycle
When you ride, it’s nothing but you and the open road. Your risks are different than those of traditional drivers, which is why you need insurance protection as unique as your needs are. At Main Street Insurance, we help you find custom coverage that is designed to minimize your financial risk exposure and fit your budget.
We offer policies that protect your bike and custom equipment against collision and comprehensive damages. We can even throw in an endorsement to ensure your bike is only repaired with OEM parts when available. Motorcycle liability coverage can pay for damages if you cause an accident that injures someone else or damages someone’s property, and the medical payments and uninsured/underinsured motorist protection can help ensure you get access to the medical care you need in the event of an accident.
Depending on the insurer, you may qualify for discounts on coverage if you insure multiple motorcycles on one policy, remain claims free, take a rider safety course, install a theft-recovery device, combine motorcycle and home insurance.
Umbrella
If you are sued for an injury or property damages, your primary insurance policy, the liability coverage in your snowmobile, ATV, RV, boat, motorcycle, auto, or home insurance should cover the damages. But what happens if your high-limit coverage is still too little to cover the legal fees and judgments against you after a lawsuit?
At the end of the day, even the highest available liability limits on an insurance policy may not be enough to cover the full extent of victim damages after an accident. That’s why we typically recommend supplementing your insurance coverage with an umbrella policy that extends your liability protection by an additional $1 million or more.
Umbrella insurance is very affordable and could mean the difference between a covered claim and financial ruin. In some cases, it may even provide additional protection not available from your primary insurance policies, such as coverage for libel, slander, and false arrest, as well as liability on any rental units you may own.
For more information about any of the coverages above, contact our office to request your free quotes. We look forward to serving you soon.
