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We Can Insure That! Let L & M Insurance Group Help With Specialty Insurance Coverage

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You already know L & M Insurance Group can get you great deals on your homeowners, car, and business insurance (and if you don’t, contact us today for a free quote!). But what if you buy a recreational vehicle, boat, or personal watercraft? Where should you go for insurance? Wonder no longer—we can insure that!

We want to be your one-stop insurance agents. Not only can we insure your home, car, and business, we can also provide specialty insurance coverage.

What is specialty insurance coverage?

Simply put, specialty insurance coverage is insurance for special or unique items or situations not typically covered under a standard home or auto insurance policy. This might include insurance coverage for classic cars, boats, ATVs, motorcycles, RVs, or personal watercraft.

In addition, important coverages such as flood insurance and umbrella policies can also be considered specialty insurance.

Protection from financial loss

The purpose of any insurance is to provide protection from financial losses—both physical losses and liability losses. Once you have the basics covered—insurance on your home and vehicles appropriate for your situation—you should consider what losses you might incur that would not be covered by those policies. What assets do you want to cover—like boats, RVs, and other “toys,” for example? You may need flood insurance, since flood damage is not covered by a standard homeowners insurance policy, or an umbrella policy to protect your financial assets in case of a lawsuit.

This might sound confusing, but it doesn’t have to be. As an independent agency, L & M Insurance Group has been serving Riverview, Brandon, Gibsonton, Apollo Beach, Tampa and nearby communities for more than 10 years. We represent dozens of financially stable, A-rated insurance companies, and we will be happy to advise you in choosing the right specialty insurance coverage for your needs. Please call 813-672-4100, contact us, or visit www.landminsurancegroup.com for more information.

Insuring Your Toys—Peace of Mind When It’s Time to Play

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Insurance for Toys, Insuring Boats Personal Watercraft RV's and more

One of the best things about the Tampa Bay area is the climate—when other people are getting ready for winter, we’re still able to play outside! And many of us have the “toys” to do just that—toys like boats, RVs, all-terrain vehicles (ATVs) and personal watercraft. But remember, accidents do happen, and while they’re fun, these grown-up toys can also be dangerous and expose you to the risk of a lawsuit.

 

That’s where L & M Insurance Group can help. Before you hit the water or the trail, make sure you have enough insurance coverage for your toys if something goes wrong. Most of these vehicles aren’t covered by a basic auto or homeowners policy, so you’ll need to buy specialized insurance for them. This insurance doesn’t have to be expensive, and it’s certainly cheaper than a lawsuit!

 

When insuring your toys, you’ll want to be sure you’re covered adequately for:

  • Bodily injury—pays for injuries you cause to others if you’re responsible for an accident.
  • Property damage—pays for property you damage if you’re responsible for an accident.
  • Collision—pays for damage to your toy if you hit something.
  • Comprehensive—pays if your toy is stolen or if it’s damaged by something other than a collision, such as fire, extreme weather, or vandalism.

 

We also recommend you carry an umbrella policy (excess liability coverage over and above your other insurance) to further protect your assets in case you are sued. Please ask your L & M Insurance Group agent if you have any questions about your umbrella coverage, or if you need a quote for an umbrella policy.

 

Remember, if you can drive it, register, and tag it, you probably need insurance coverage for it!

 

Insurance coverage is meant to protect you from financial hardship due to accident and/or lawsuits. Talk to your L & M Insurance Group agent about what coverage you need to protect your assets and safeguard your lifestyle. Please call us at 813-672-4200 if you have any questions, or you’d like a free, no-obligation quote for insurance on a boat, RV, personal watercraft, or ATV. You can also contact us online by clicking here.