Travel Trailer Insurance

Your road trip should be fun and at U.S. Insurance Services we want to make sure you have the right coverage to protect your needs. Our travel trailer program offers broad coverage and the right protection. With travel trailer insurance from U.S. Insurance Services, your only worry is having fun! Travel Trailer Insurance Coverages Available Liability When pulling your trailer behind your vehicle provides insurance for property damage and bodily injury claims that you are responsible for as a result of an accident. Off-Road Liability Provides Liability coverage while your travel trailer is detached from the towing unit and not on a public right of way while being used for recreational purposes. Comprehensive Personal Liability For folks that use their trailer either as a temporary or permanent residence provides liability insurance against accidents that happen while in your trailer where you are legally responsible. Adjacent Structures Coverage Coverage for folks that use their trailer either as a temporary or permanent residence, provides property coverage for adjacent structures to your trailer. Items include awnings, steps, garages, fences, carports, cabanas, porches, skirting, utility sheds, AC units and oil or gas drums that provide heating/cooking. Personal Effects Coverage Provides coverage for personal items in your Travel Trailer for claims caused by Fire, Lightning, Explosion, Windstorm, Tornado, Earthquake, Burglary, Vandalism, or Flood. Personal Effects include cameras, clothing, cooking, utensils, dishes, foodstuffs, fishing-sporting-vacation equipment, and other personal possessions incidental to the use of your Travel Trailer. Lenders Interest Protection Protects the lender interest on your Travel Trailer (aka Lender) in the event damages occur to your travel trailer that may or may not otherwise be covered under normal coverage limits. 30 day trip collision coverage Folks that use their travel trailer primarily as a temporary or permanent residence can purchase a 30 day trip collision coverage policy for times where they want to pull their trailer for traveling. Trailer Towing Tips:http://www.rvsafety.com/ call 866-372-9693

Jet Ski Insurance

U.S. Insurance Services' personal watercraft insurance provides protection and flexible coverage options to fit your needs. Our program is one of the best programs around, providing broad coverage and special benefits that will keep you on the water all year long. We have insurance for all watercraft classes including jet skis and mini jet-boats. With personal watercraft insurance from U.S. Insurance Services your only worry is having fun! “Good Products, Competitive Rates and Excellent Service “– Independent Agents Jet Ski Insurance Coverages Liability You can be held liable for damaged property or personal injury, to both non-family and family members, if an accident occurs. Watersports Liability Included on all policies, protects you for liability accidents while pulling people behind your watercraft. Medical Payments Up to $5,000 in medical expense coverage is available for boating injuries. Uninsured Watercraft Provides bodily injury protection to you if an uninsured boater collides with your Jet Ski. Comprehensive/Collision Protects your Jet Ski from damage resulting from fire, theft and most other perils, plus adds collision coverage for accidental damage. Trailer Coverage Protect your trailer in case of damages or theft. Accessories Coverage Includes life preservers, totes, custom paint and safety equipment. Many owners add this coverage to protect equipment not originally provided by the manufacturer. Jet Ski Insurance Discounts We offer discounts and credits to help you lower your premium payment: Transfer Discount Receive a discount when you transfer your Jet Ski insurance to us. Multi-Unit Discount Insure two or more personal watercraft and receive this discount. Claim Free Renewals Earn a renewal discount if you are claim free through your policy term. Multiple Deductible Options We offer the best deductible choice for your circumstances. Jet Ski Safety:http://www.treadlightly.org/page.php/responsible-pwc/Responsible-PWC.html?gclid=CPnIutuihJYCFQpjnAodbBgJEQ call 866-372-9693

Boat Insurance

Why Boat Insurance? Boats are not like autos and your boat insurance should not look like your auto policy. At U.S. Insurance Services our boat program is designed to fit the needs of today’s boater. Protecting your boat is important and selecting the right coverage can make all the difference. We offer a wide array of insurance coverages for a wide array of boaters. Boaters who have completed boating safety courses or who have protective devices to secure their vessel can qualify for great discounts. Helping boaters select the right insurance and save money is what U.S. Insurance Services is all about!

Boat Insurance terms and coverages Liability and Property Damage Coverage (BI/PD) Protects you from accidents involving injuries or property damages where you are legally responsible. Insurance is provided on a Combined Single Limit (CSL) basis with limits up to $500,000 in liability coverage providing you maximum protection in case of an accident. Water Skier Liability Automatically included with all policies at no extra cost, provides bodily injury and property damage coverage caused by someone that is towed. Pollution Liability Coverage Automatically included with all policies, provides liability coverage arising out of the discharge, dispersal or release of pollutants into the water by your boat. Medical Payments Pays for your medical bills resulting from an accident that happens during the operation of your boat. Uninsured Boat Owners Pays for lost wages, medical treatment and other claims when another boater is responsible for your injuries but does not carry insurance. Physical Damage Coverage Also known as “collision and comprehensive coverage” pays for the cost to repair or replace your boat if it is stolen or damaged. Collision coverage pays for damages to your boat when you hit another boat or object. Comprehensive coverage pays for damages resulting from events other than a collision including theft, fire or vandalism. U.S. Insurance Services offers 3 types of physical damage coverages in the event of a total loss: Actual Cash Value An insurance policy that pays the market value of your boat at time of loss Agreed Value For boats 10 years old and newer, pays the value of your boat at the price agreed to at the time beginning of the policy. Total Loss Replacement Available for boats 2 years old and newer, pays for full replacement of your boat with the newest model if your boat is deemed a total loss. Trailer Coverage An optional coverage providing coverage for damages to your trailer you use to tow your boat. Personal Effects Coverage Pays for loss or damage to your personal effects and miscellaneous boat equipment. Personal Effects includes wearing apparel, sports equipment (such as skis, diving and fishing equipment) and other personal effects belonging to you, family members, guests or volunteer crew. Miscellaneous boat equipment includes depth finders, fish finders, AM-FM radios. Towing Coverage Pays for the cost of emergency towing if your boat is disabled. Coverage includes the emergency delivery of gas, oil or a battery. U.S. Coast Guard:http://www.uscgboating.org/ Weather Channel: http://www.weather.com/activities/recreation/boatandbeach/ Nautical Charts: http://www.nauticalcharts.noaa.gov/ Take Me Fishing: http://www.takemefishing.org/

Motorcycle Insurance

Selecting the right motorcycle insurance is like selecting the right motorcycle; you want to make sure it fits your needs, your lifestyle and your budget.

At U.S. Insurance Services we understand the needs of today’s rider. We offer a wide variety of motorcycle categories and insurance options along with the specialized protection and service to fit a rider’s needs and budget. Our commitment is to provide the best insurance options at the best available price. Whether you need insurance for your dressed down Harley or for your brand new scooter we have you covered!

1. Motorcycles we insure:
2. Harley’s
3. Power Cruisers
4. Cruisers
5. Touring Motorcycles
6. Scooters
7. Standard Motorcycles
8. High Performance Motorcycles
9. Sport Bikes
10. Trikes
11. Custom Construction
12. ATV
13. Mopeds

Coverages

Liability

Also known as bodily injury and property damage. Protects you against claims for injuries or property damages you are responsible for to others as a result of a motorcycle accident. Most states require liability coverage as the minimum insurance required to operate your bike.

Guest Passenger Liability

Protects you against claims for injuries to your passenger where you are legally responsible as a result of a motorcycle accident.

Uninsured Motorists

Pays for your injuries caused by an Uninsured driver in an accident that is not your fault.

Underinsured Motorists

Pays for your injuries caused by an Underinsured driver in an accident that is not your fault.

Medical Payments

Pays for the medical expenses for the rider and passenger.

Comprehensive/Collision

Also known as physical damage, provides insurance for damages to your bike resulting from fire, theft and most other perils. Also includes collision coverage for accidental damage to your bike.

Trike Conversions

This option is designed specifically for cycles that have been converted to a trike, or for those originally manufactured as a trike.

Safety Clothing, Towing & Trip Interruption Coverage

When physical damage is purchased this optional coverage pays for hotel and food expenses when your motorcycle breaks down more than 100 miles from home. Coverage also provides for towing and emergency road services as well as riding apparel that is damaged during a collision loss.

Motorcycle Insurance Discounts

We offer motorcycle riders many great discounts to choose from helping them save real money while also lowering the cost of their motorcycle insurance. Discounts available in most states.

• Transfer Discount – Save up to 20% when you transfer your motorcycle insurance to us.
• Homeowner Discount – Home, condo and mobile homeowner’s qualify.
• Mature Operator Discount – Folks over 40 can save big money!
• Motorcycle Safety Course Discount - Riders who complete a motorcycle safety course within the last 3 years can save 10%.
• NOTE: Coaches who teach any motorcycle safety course or riders that complete the Lee Parks "Total Control Advanced Riding Clinic(http://totalcontroltraining.net/)" qualify for an additional 10% discount.
• Theft Deterrent Discount – Motorcycles with audible, LoJack, GPS or other deterrent devices are eligible for a 5% discount.
• Rider Association Discount – Members of national riding groups such as HOGS, Gold Wing and Christian Motorcycle Riders groups are eligible for a 10% discount.
• Multi Unit – 10% discount for each and every motorcycle when 2 or more cycles are insured with us.
• Renewal Discount – Riders that renew their insurance with us claims free can save up to 20% on their policy.

Motorcycle Safety Foundation: http://online2.msf-usa.org/msf/Default.aspx

Riders Pledge:

http://www.us-insurance.com/insurance-products/consumer/motorcycle/downloads/Riders_Pledge.pdf