specialty insurance

Specialty insurance covers recreational vehicles such as your: classic car, boat/yacht, motorcycle, travel trailer, ATV/UTV, snowmobiles, etc..  We offer a wide varierty of coverages to protect your recreational vehicles.

Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage varies by state.  You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss.

Options tailored to your needs can include:

Stated Value – market value/actual cash value
Agreed Value – the insured amount, regardless of the current market value
Replacement Cost – replacement with a new  model that is most like it

Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV, boat when physical damage coverage is selected.

Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.

Other additional coverage can include: accident forgiveness, pet coverage, diminishing deductible, and more.

Discounts can lower your premium. Ask if you qualify for safe driver discounts, original owner discounts, package discounts and more.

You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars, and boats. Let Sentinel Assurance help you select the right coverage for your recreational needs.

Click here for the list of insurance carriers we work with.