What We Insure
If it goes zoom, we probably insure it.
Why should you get car insurance?
In most states, you're required by law to carry car insurance.
Car insurance usually consists of the following protections:
But additional protection may include:
- Medical Payments
- Emergency Road Service
- Uninsured Motorist Protection
Keep in mind that you can't buy insurance after an accident. So it's important to consider what would happen if you were in one.
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you – we can help you with this.
After all, there’s no such thing as a one-size-fits-all insurance policy for your car.
Our FastPass™ tool allows you to compare personalized auto insurance quotes from top carriers in minutes.
Why should you consider boat insurance?
Boat or Marine insurance is available for small boats, yachts, high-performance powerboats, live-aboard houseboats, catamarans, or pontoons.
Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.
Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage.
Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount – we can do that for you.
We offer free, competitive quotes on Boat & Marine Insurance from multiple insurance carriers.
Why should I consider motorcycle insurance?
Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.
Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.
Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected.
At Polly Insurance, we have a variety of motorcycle policy options to meet your needs.
We offer free, competitive quotes on Motorcycle Insurance from multiple insurance carriers.
Why should I consider RV insurance?
As much as you expend efforts to purchase your dream motor home, it is important to select an appropriate motor home insurance policy.
Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection.
It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.
Whether your Motor Home / RV Insurance needs are travel trailer, fifth wheel, camper, or Class A Motor Home Insurance, DealerPolicy Insurance offers you a variety of motor home insurance coverages.
We offer free, competitive quotes on RV Insurance from multiple insurance carriers.
Why should you consider snowmobile insurance?
Riding your snowmobile is a great winter pastime, and we want you to enjoy it. As you know, it comes with a risk and being responsible is an important aspect of riding. Being responsible also includes making sure you're protected by finding the right insurance for your snowmobile.
Snowmobile insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.
In some states, it's mandatory to insure your snowmobile. Additionally, if your snowmobile is financed it is likely your lender requires you to have snowmobile insurance to minimize the risk.
At DealerPolicy Insurance, we have a variety of snowmobile policy options to meet your needs.
We offer free, competitive quotes on Snowmobile Insurance from multiple insurance carriers.
Why should you consider classic car insurance?
You may have noticed there's a big difference between classic car insurance policies and regular use policies, including cost.
Classic car insurance or collector car insurance can save you a significant amount of money and increase your coverage because traditional auto insurance carriers are geared towards insuring a larger volume of vehicles. They simply don't know how to treat your specialty or collector car.
Classic cars are usually considered antique vehicles (15-20 years old or older). Classic cars can also include:
- Exotic autos new and old
- Muscle cars
- Sports cars of all ages
- Rare or desirable cars
We understand what classic car owners want and need to protect their investment.
We offer free, competitive quotes on Classic Car Insurance from multiple insurance carriers.
Your home takes care of you. Time to return the favor.
Why should you consider homeowners insurance?
If you have tangible assets, like your home and additional personal property, you need the protection of a homeowners insurance policy. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way - unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
We offer free, competitive quotes on Homeowners Insurance from multiple insurance carriers.
Why should you consider renters insurance?
If you live in a rented house, condo or an apartment, renters insurance provides important coverage for both you and your possessions.
In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.
A renters insurance policy from DealerPolicy Insurance can provide you with coverage for your personal items and personal liability to protect you from the unexpected.
We offer free, competitive quotes on Renters Insurance from multiple insurance carriers.
Why should you consider condominium insurance?
Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas.
You are responsible for the interior of your unit. Typically you need personal property and liability coverage in addition to coverage for your floors, walls, cabinets and fixtures that your association's insurance probably will not cover.
Every association's insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.
We offer free, competitive quotes on Condo Insurance from multiple insurance carriers.
Why should you consider choosing Pure Insurance.
Pure was voted 2020’s Best High Net Worth Insurance Company at the Private Asset Management Awards. We are one of only 13 brokers in New England that have access to Pure.
PURE is NOT like a normal carrier. They are dedicated to creating an exceptional experience for responsible high net worth families. They go over the top on claims service, call their customers “members,” and share profits back with them.
PURE is not available to customers who have a primary residence that is valued under $1MM. They will write second homes under $1MM in value as long as one of the homes is $1MM+.
They can write homes upwards of $50MM value, $10MM yachts (hull value) and $100MM umbrella policies.
They also specialize in large jewelry collections, art, personal cyber liability, flood and automobile.
We would be happy to quote you on High Net Worth Insurance from Pure Insurance.
Why should you consider flood insurance?
According to Neptune Flood, every state and 98% of the nation’s counties have experienced a flooding event. Still, only 5% of U.S. residents have flood insurance and only 40% of the A or V zones (FEMA designated as high risk) are insured.
Why aren’t more people buying flood protection?
Mainly because homeowners believe it is covered under their homeowners policy. The truth is, neither homeowners or renters policies cover flooding. Customers need to have a separate flood policy to cover flooding events.
We've partnered with Neptune Flood to get you a competitive rate on flood insurance.
Take it from the pros. Getting extra
protection is really, really smart.
Why should you consider umbrella insurance?
You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.
Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims.
Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection.
It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys.