D Recreational Vehicle Insurance
Contact Davis Insurance Associates for your Myrtle Beach Insurance needs - Boats, Motorcycles, Golf Carts, RVs, and more!
Boat & Watercraft Insurance
Recreational Vehicles and Toys Insurance Information Overview
First, why do you need insurance for your recreational vehicle?
Unless you have an insurance policy for your boat, motorcycle, or recreational vehicle, you could be in for an unpleasant ordeal should you experience a loss. Simply put, your home or auto insurance policy most likely does not extend much, if any, coverage to recreational vehicles.
What insurance coverage do you need for that boat, motorcycle, or other toy vehicle in Myrtle Beach?
Most personal insurance policies for toys and things that move you are similar to auto insurance policies. You generally should have liability coverage, uninsured and underinsured coverage, medical payment coverage, and perhaps comprehensive, collision, towing, or other related coverages.
It can get a little tricky navigating the right type of insurance policy for your toy. Sometimes they can be added to an existing policy, or sometimes they will need their own individual policy. This could depend on the type or use of it. It is best to let an experienced and local agent work to find the best fit for your specific need, no two insureds have the exact same need. Davis Insurance Associates is happy to search and review these options for you.
Tips for a lower premium and things to consider.
Many factors can play a role in determining your insurance rates such as your age, your driving record, where you live, and where you store or moor your toy or recreational vehicle.
- Most companies look at your driving record when determining your insurance rate. It is best to keep your record clean if you can.
- Have you graduated a safety or training course? This may save money on your premium.
- Are you a member of a club that could bring you a discount? Don't be afraid to ask your agent or tell them what associations you belong to.
- Of course the age, cost, and performance of the vehicle will impact the premium. If you buy an expensive or fast toy, expect to pay a little more.
Boat & Watercraft Insurance
Don't you love Myrtle Beach! Whether you want to water ski, jet ski, or just cruise around; we have the beautiful Atlantic Ocean, Intercoastal Waterway, and Waccamaw River to enjoy this to the fullest. Boat insurance does not have to cost you an arm and a leg, but make sure to discuss with an insurance agent what you will be using the boat for and optional coverage to better meet your needs. Here are just a few things you may want to check that you have coverage for: pulling a skier, inter-tube, or other fun thing, tournament fishing, taking your watercraft into the ocean or in international waters.
Myrtle Beach has its share of faithful riders as well as a couple of pretty large bike fests held here in the summer. It is really a part of life along the Grand Strand. Motorcycles are fun and a great way to enjoy our beautiful weather, but don't let having the wrong insurance policy turn it all upside down. Just like everything else, motorcycle insurance comes in all shapes and sizes so it is not a "one size fits all" type of policy. Davis Insurance Associates can insure just about any type of motorcycle, even off road dirt bikes. Let one our experienced and local agent discuss coverage for your motorcycle.
Recreational Vehicle Insurance
A recreational vehicle can be many things. We can insure your motorized RV, camper or trailer, golf cart, ATV, or snow mobile. Each one of these things should usually be individually listed on a policy or have its own insurance policy.
Golf carts are a very common site around Myrtle Beach. We have several campgrounds, neighborhoods, and some streets where they are allowed. Please do not assume your golf cart is insured or covered by your home insurance policy. Basic coverage starts as low as around $80 per year, however expect to pay a little more to get comprehensive and collision coverage. Contact the South Carolina DMV (for SC residents) regarding details about getting a golf cart permit.
Call (843) 213-0000 today to speak with a licensed and local agent at Davis Insurance Associates about your Myrtle Beach boat, watercraft, motorcycle, golf cart, or RV insurance and see what we can do for you. When you think about Insurance in Myrtle Beach - thinkdavisinsurance.com!
In addition to a policy for your toy, you may want to consider purchasing other coverages such as; umbrella, home, or flood. Davis Insurance Associates is here to serve Myrtle Beach and South Carolina, count on us to understand your risks and help you protect them. Let our local and experienced staff help you with your Myrtle Beach Insurance needs!
Insurance Information Institute - Boat Insurance and Safety
Insurance Information Institute - Motorcycle Insurance
South Carolina Department of Motor Vehicles