Tag Archives: boat insurance

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Riding a snowmobile in winter

Insure Everything From Fun To Function

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Insurance provides financial support and reduces uncertainties. It provides safety and security against particular events. Insurance provides a cover against sudden losses. It’s important to insure everything that’s both vital, like your house and car, as well as fun, like a boat or snowmobile. Ensuring a safety net for these items will save a lot of possible headaches and out-of-pocket expenses if a covered loss were to occur.

Car Insurance

Car insurance is one necessity that can feel very burdensome, especially when it comes to paying for it each month. The range of costs, types, and quality of policies is a lot for anyone. The Insurance Research Council estimates that 14 percent of the driving population in America is uninsured, which may be due to economic factors, cost, and confusion about auto insurance. At Yetter Insurance, we work with you to determine your auto insurance needs and personalize your service to bring you the protection you deserve at the best value. There are several criteria that go into our assessments of how much coverage you should purchase.

Home Insurance

Whether you’re buying a new home or you’ve already paid off the mortgage, you may have wondered about the value of home insurance. Your home is likely one of, if not the most, valuable assets you have. Homeowners insurance helps protect that investment — and you — in a variety of ways. Not only does it just protect your home, but can also cover personal property, your family, and any guests you have.

Snowmobile Insurance

Winter weather can be unpredictable, but your snowmobile insurance shouldn’t be. Snowmobiles can cost several thousand dollars, with top of the line models exceeding $15,000. With an investment like that, you want to make sure you have the right insurance coverage.

What are PA and NY Snowmobile Insurance Requirements?

Pennsylvania and New York both require riders to carry liability insurance.

According to the PA DCNR:

If you plan to ride your snowmobile on property that is not owned or leased by you, you must carry liability insurance. Proof of that insurance must be carried with you when you ride. There are no minimum requirements or coverage standards established by DCNR or the Snowmobile/ATV Law for the liability insurance.

According to the New York State Parks department:

All snowmobiles operated on any part of a roadway or shoulder of a highway in New York State must be covered by minimum liability insurance. New York State Parks law requires snowmobilers to carry liability coverage in the minimum amount of $10,000 for an accident involving one person, $20,000 for an accident involving two or more persons, and $5,000 for property damage from one accident. Proof of insurance must be carried by the snowmobiler and must be displayed on request of any magistrate, law enforcement officer, or anyone who has suffered personal injury or property damage as a result of the snowmobiler’s actions.

Do I Need Year-round Snowmobile Insurance Coverage?

Do you need year-round coverage on a vehicle you only ride in winter? Between the cost of the snowmobile, maintenance, and riding gear, snowmobiling can be an expensive sport. You may be looking to save money by only insuring your snowmobile part of the year—but is it worth it?

Typically, you’re better off buying year-round coverage for several reasons. The cost difference between year-round and partial-year coverage is usually small enough that it makes sense for most customers to opt for continuous coverage (and continuous peace of mind.) Even when your snowmobile is in storage, the risk of fire, flood, and other accidents is still present. A year-round policy can guarantee protection for your investment.

A Yetter Insurance agent can help you find ways to save on your snowmobile insurance. You may receive discounts if you complete a safety course, are a homeowner, are a safe driver, and more.

Boat Insurance

When deciding on the proper insurance for your boat, it’s important to be aware of the factors that come in to play. The age of your boat, the length, value, speed/horsepower, condition, and type all have an effect on which policy is right for you. The proper coverage can protect you against minor damages, major damages, and expensive towing costs.


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Family Outing

Don’t Let Summer End In A Bummer

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We’re about halfway done with the summer, and it’s going entirely too fast. Hopefully, you’ve had some time to get out on the lake, go camping, and make time to enjoy yourself.

Summer is the time people bring out their boats, all-terrain vehicles (ATVs), and recreational vehicles (RVs). Whether you are required by law to insure your ‘toys,’ or you want to be a little more secure, there are crucial decisions to make when looking for coverage. While they’re not too different from purchasing standard automobile insurance, there are a few variations to consider.

RV Insurance

Just like auto insurance, a minimum of liability coverage is required for RVs in every state. Depending on your insurance plan, you can receive additional coverage for your belongings stored in the RV, RV accessories, such as awnings, satellite dishes, and installed appliances, as well as total loss replacement and uninsured motorists. Of course, the type of RV insurance you will need is based on several things. The state you live in, the class of RV, how far you travel, and the custom features are all factors that play into the best plan for you.

ATV Insurance 

Both Pennsylvania and New York require ATV owners to purchase liability insurance if they wish to drive places other than their own property. ATV riders should still consider purchasing a policy to protect themselves and others. The proper insurance can protect against property damage, medical payments, collision coverage, and comprehensive coverage that pays for damages to an ATV that are non-collision related. This includes theft, vandalism, flooding, earthquakes, fires, and other causes.

Boat Insurance 

When deciding on the proper insurance for your boat, it’s important to be aware of the factors that come in to play. The age of your boat, the length, value, speed/horsepower, condition, and type all have an effect on which policy is right for you. The proper coverage can protect you against minor damages, major damages, and expensive towing costs.

Did you find this information useful? Happy with your service from Yetter Insurance Agency Inc.? Consider telling a friend about us or writing a Google review; it’s the highest compliment we can receive!


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boat-cockpit-boat-insurance

Determining Coverage for Your Boat and ATV

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Americans’ boats and all-terrain vehicles (ATVs) give them valuable mobility, recreation, and tools for their livelihoods. They are a symbol of outdoor living, especially in our area. Landowners use ATVs to get around their property. Boats allow fishermen to take advantage of the wonderful fishing opportunities in the Delaware River and its many tributaries and lakes. Because of their importance to many people’s lives, getting the right insurance for your boat or ATV is crucial. While not too different from purchasing standard automobile insurance, there are a few key things to consider.

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Boat insurance

It’s often best to separate your boat insurance from your homeowner’s policy. Homeowner’s policies are often limited and do no cover water-related expenses like environmental damage or salvage, but there are exceptions. 

Consider a rider on your homeowner’s insurance to receive perfectly good coverage for smaller boats and motors, usually with a horsepower limit 100-horsepower. Also, most homeowners insurance riders apply only to use in inland waterways, lakes, and rivers—perfect for most boaters in the tri-state area. 

If you do plan to ever boat in the ocean, a homeowner’s policy won’t cut it. Instead, look for an experienced marine insurer.

Insurance factors to consider when covering your boat

There are many factors that will lead you to a qualified marine insurer. You should be aware of the following to make sure the policy offered meets your needs:

  • Age of boat
  • Length
  • Value
  • Speed/Horsepower
  • Condition and whether it meets US Coast Guard Standards at the time it was built
  • Type: inboard, outboard, utility, cruiser, bass boat, saltwater fishing boat, performance boat
  • Homemade 
  • Houseboats with no motor
  • Ownership (more than 2 owners)
  • Where it will operate 

Types of Boat Insurance

Just like other insurance for other valuables, you will need to choose between “agreed value” and “actual cash value” insurance. 

In an actual cash value policy, the insurer will assess the boat’s value at the time you file a claim. If you declare a loss on an older boat, the policy won’t reimburse you for its original purchase value, but its current value based on depreciation. Given its lower premiums than an agreed value policy, this type of coverage may be suitable if you’re insuring an older boat—or it may be more economical to switch to an actual cash value policy as your boat ages and depreciates in value.

An agreed value policy will cover the value of the boat when the policy was written. Consider the worth of your boat when choosing between these two types of insurance. If your vessel is new, of considerable value, or a vintage model, an agreed value policy is a smart choice. 

Types of coverage 

How and where you use your boat determines the type of coverage you need. “Comprehensive peril” policies provided blanket coverage for any risk that is not specifically excluded. This is good because a boater can never be entirely sure what could happen to their vessel. Other types of coverage include:

  • Specialized coverage for something specific on your boat like an expensive prop or navigation equipment.
  • Salvage is coverage that pays to remove your boat due to damage, from substantial to minor.
  • Consequential damage covers a loss that was the result of wear and tear (rot, mold, corrosion) rather than an accident.
  • Towing your boat across a body of water to safety can cost $400 per hour.

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ATV insurance

Both Pennsylvania and New York require ATV owners to purchase liability insurance if they wish to drive places other than their own property. ATV riders should still consider purchasing a policy to protect themselves and others. 

Type of ATV insurance available 

Bodily injury liability coverage pays for damages associated with anyone injured or killed in an accident associated with your ATV. It will also cover legal fees resulting from a lawsuit against you. 

  • Property damage liability will cover the cost of damage you caused to someone’s property with your ATV. 
  • Medical payments coverage will help pay for medical expenses incurred by those riding your ATV. This coverage is meant for other people besides the policyholder. You should rely on your own health insurance to pay for your own injuries. 
  • Uninsured/underinsured motorist coverage pays for expenses if you have an accident with another ATV driver who has inadequate or no coverage. 
  • Collision coverage pays to repair damages to an ATV caused by a collision with another vehicle or if it overturns. You may wish to not purchase this coverage if your ATV is of low cash value. Collision coverage is often required for owners who are leasing or financing their ATV.
  • Comprehensive coverage pays for damages to an ATV that are not caused by a collision with another vehicle. It also covers losses due to theft, vandalism, flooding, earthquakes, fires and other causes.

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Every ATV is different, and every rider is different. How you use your vehicle is a good indicator of how much ATV insurance you should have. Terrain like thick woods is riskier than open fields. Additionally, the value of your ATV, the value of the assets you want to protect in case of a liability claim against you, and how much risk you take while riding can all be indicators of how much ATV insurance you need.


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