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INSURANCE FAQ


HOMEOWNERS/MOBILE HOME


1) Can I insure my stick-built house, modular, doublewide, or mobile home no matter what the use?

Answer: In PA and WV we can insure all of the above whether residential, seasonal, rental, or vacant. In OH, NY, and Maryland we cannot insure the stick-built homes no matter what the use. In NY and Maryland we cannot insure any structure if it is vacant.

2) Does my modular or doublewide have to be on a permanent foundation on land I own to get insurance?

Answer: No, if it is on a permanent foundation and on land you own, we can possible write a regular homeowners policy but we can still insure your home under a manufactured home policy.

3) Can you insure my manufactured home in a park or community?

Answer: Yes we can.

4) Can you insure my manufactured home no matter the age of the unit?

Answer: Yes we can as long as the home is in good condition. We will require pictures of the outside only.

MOTORCYCLE/AUTO/MOTOR HOME/TRAVEL TRAILER

1) Can you insure any motorcycle?

Answer: In PA and in WV we can insure most motorcycles. Classic motorcycles can be insured in PA. Custom motorcycles can be insured by American Modern but there are some restrictions.

2) What states can you write automobile insurance?

Answer: We write in Pennsylvania only through two companies Travelers and Progressive.

3) Can I get a discount for homeowners and auto insurance?

Answer: Yes, if we can write you through Travelers you will get a discount on your auto insurance if you have homeowners through them. Travelers will also discount your boat insurance if you have either an auto or homeowners policy through them.

4) Should I get a separate policy on my motor home?

Answer: You can insure your motor home under most automobile policies with an additional endorsement but they will not give you as much coverage as a motor home policy. Example: Diminishing deductibles, vacation liability, replacement cost on units 2 years old and newer, etc.

5) Can you insure my travel trailer even if it is permanently parked in a campground?

Answer: Yes, under a seasonal mobile home policy you would also get coverage for liability if someone got hurt at the site.

BOAT/JET SKI

1) Can you insure older, smaller boats?

Answer: Yes, but coverage will be limited and may require a survey.

2) Can you insure most boats?

Answer: Yes, under the regular boat programs we can insure boats up to 64 feet in length, value up to $300,000, and 70 MPH.

3) Do you insure yachts?

Answer: Yes, under Travelers yacht program in Pennsylvania only.

4) Do you offer discounts on your boat/yacht/jet ski policies?


Answer: Yes, multi-unit, experienced boater, age, and renewal discounts are available.

SNOWMOBILE/ATV


1) What kind of protection can I get under a snowmobile policy?

Answer: Three levels of protection: Liability only, Liability plus comprehensive or Liability with comprehensive and collision coverages.

2) Why get a separate policy for my ATV?

Answer: You may have limited coverage on a homeowners policy for liability if the ATV is used on your property but no coverage if ridden off the premises.