Have you had an insurance check up lately? When was the last time you reviewed your insurance needs? We purchase insurance at a specific time for a specific need. Over time our needs change- but has your policy changed to meet your needs?

Generally speaking ATV vehicles, snow mobiles, dirt bikes, boats of a certain size are excluded from a standard homeowner policy and must be insured separately. Insurance comes in two parts. First (as in auto insurance) there is coverage for the physical item for comprehensive and collision coverage. The second part is liability in case there is bodily injury to someone else’s property and or bodily injury.