Adventure is Better When It's Protected

Who Should Consider It

• Collectors of art, vintage items, coins, trading cards, or memorabilia
• Owners of classic, collectible, or antique cars
• Anyone who wants agreed-value protection and coverage that standard policies may not offer

What It Covers

Give your classic vintage car more than the standard coverage. Whether you own classic or collector cars, fine art, antiques, memorabilia, or other valuable items, standard insurance policies often fall short of providing the right level of protection.

• Loss or Damage: Protection against fire, theft, vandalism, or accidental damage
• Agreed Value for Collector Cars: Claims settled based on a pre-agreed value, without depreciation
• Off-Premises Coverage: Coverage when items are on display, loaned, or traveling to events
• Spare Parts & Restoration: Protection for rare parts and repair costs when available
• Liability at Events: Coverage if someone is injured or property is damaged at shows or tours

Optional Add-Ons

• Scheduled coverage for individual high-value pieces
• Transit or shipping protection for items being moved
• Storage and climate-control endorsements
• Flood or earthquake riders where available
• Towing, roadside, and spare parts coverage for collector cars

Qualifications & Practical Notes

• Classic cars are usually insured when used for pleasure, events, and limited driving
• Proper storage and care often factor into eligibility and premium rates
• Some high-value items may require recent appraisals or documentation

What Does Motorcycle Insurance Cover?

Motorcycle insurance policies include essential coverage options such as:

• Bodily Injury Liability: Covers injuries you cause to others in an accident
• Property Damage Liability: Pays for damage you cause to someone else's property.
• Medical Payments: Covers medical expenses for you and your passengers.
• Comprehensive and Collision: Protects from damage, theft, and other non-collision incidents.

Types of Motorcycles Covered

We have superb plans for every ride:

• Cruisers
• Sport Bikes
• Touring Motorcycles
• Scooters & Mopeds
• Custom Bikes

Your motorcycle is more than just a vehicle; it's a part of your life. Reliable Risk Management Group offers a variety of great plans to cover all aspects of your ride. So we don't want to leave you stranded on the road, no matter what happens.

What Does Side‑by‑Side Insurance Cover?

UTV insurance provides comprehensive protection for both you and your vehicle:

• Liability Coverage: Protects you in case of an accident causing property damage or bodily injury to another person.
• Collision Coverage: Covers damage to your UTV if it collides with another vehicle or object.
• Comprehensive Coverage: Protects against damages from incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: Offers protection if you're involved in an accident with someone who doesn't have sufficient insurance.
• Medical Payments Coverage: Pays for medical bills for you or your passengers after an accident, regardless of fault.

Save on Your Side‑by‑Side Insurance

There are various ways to save on your UTV insurance:

• Safety Course Discount: Completing an approved safety course may earn you a discount.
• Multi‑Policy Discount: Bundling your UTV insurance with auto or homeowners insurance may provide additional savings.
• Pay‑in‑Full Discount: Pay your policy upfront to take advantage of potential savings from top carriers.
• Responsible Driver Discount: A clean driving record with no accidents or violations could qualify you for a discount.

What is ATV Insurance?

ATV insurance helps protect your all-terrain vehicle, commonly called a four-wheeler or quad, before you head out to ride. It offers financial protection if your ATV is damaged, stolen, or involved in an accident. Getting coverage ahead of time helps ensure you are prepared for common off-road risks.

What Does ATV Insurance Cover?

ATV insurance offers protection for both you and your vehicle and may include:

• Liability Coverage: Helps cover injuries or property damage if you are responsible for an accident.
• Collision Coverage: Helps pay for repairs or replacement if your ATV is damaged in a crash.
• Comprehensive Coverage: Covers damage from non-collision events such as theft, fire, vandalism, storms, or water damage.
• Uninsured or Underinsured Motorist Coverage Helps protect you if you are involved in an accident with someone who does not have enough insurance.
• Medical Payments Coverage: Helps cover medical bills for you or your passenger after an accident, regardless of fault.

Save on Your ATV Insurance

There are several ways you may be able to lower your ATV insurance costs:

• Safety Course Discount: Completing an approved ATV safety course may help reduce your premium.
• Multi‑Policy Discount: Bundling ATV insurance with auto or homeowners insurance may provide savings.
• Pay‑in‑Full Discount: Paying your policy upfront may qualify you for lower rates.
• Responsible Rider Discount: Maintaining a clean driving record may help you qualify for discounts.

Standard Coverages on Snowmobile Insurance

• Bodily Injury and Property Damage Liability: Covers injuries and property damage you may cause to others while riding your snowmobile.
• Uninsured/Underinsured Motorist Coverage: Protects you if you're involved in an accident with someone who lacks adequate insurance.
• Comprehensive and Collision Coverage: Comprehensive coverage handles damages from theft, vandalism, fire, or weather-related incidents, while collision coverage handles damages from accidents with other vehicles or objects.
• Medical Payments Coverage: Covers medical expenses for you, your passengers, or anyone injured in a snowmobile accident, regardless of fault.
• Accessories and Custom Parts Coverage: Protects enhancements or upgrades made to your snowmobile, with options for extended coverage.

Save on Snowmobile Insurance

• Multi-Policy Discount: Bundle your snowmobile insurance with other policies for potential savings.
• Full Payment Discount: Pay your policy in full for added savings.
• Easy Pay Plan: Set up automatic monthly payments to receive discounts.
• Homeownership Discount: Check for discounts if you own a home.
• Safety Course Discount: Complete a snowmobile safety course to earn discounts on your coverage.

Specialized Coverage Options

• Year-Round Coverage: Protects your snowmobile throughout the year.
• Safety Apparel Coverage: Covers your safety gear.
• Towed Trailer Coverage: Includes protection for trailers used to transport your snowmobile.
• After-Market Parts and Accessories Coverage: Covers additional parts and accessories added to your snowmobile.
• Increased Liability Limits: Offers higher limits on liability coverage for enhanced protection.

Choose Coverage That Fits Your RV

No matter what type of RV you own, whether it's a spacious Class A motorhome, a compact camper van, or a travel trailer, there is an insurance policy that is right for you.

• Year-Round Coverage: Class A Motorhomes - The largest and most luxurious RVs, offering ample space and amenities.
• Class B Motorhomes: Also known as camper vans, these are the smallest and most maneuverable.
• Class C Motorhomes: Mid-sized RVs that provide a balance between space and ease of driving.
• Travel Trailers: Towable RVs that include everything from pop-up campers to fifth-wheel trailers.

Key Coverages for RV Insurance

Some common coverages you might consider for your RV:

• Liability Coverage: Protects you if you accidentally cause injury or property damage while driving your RV.
• Total Loss Replacement: If your RV is totaled, this coverage replaces it with a new one (up to a certain age).
• Personal Effects Coverage: Protects the belongings inside your RV against damage or theft.
• Emergency Expense: Covers costs like lodging and transportation if your RV breaks down far from home.

Motorhome Or Travel Trailer Insurance?

Motorhome insurance is for vehicles you drive, offering protection for both the RV and liability on the road. Travel trailer insurance, on the other hand, is designed for non-motorized trailers, covering the trailer itself and sometimes extending to liability protection while parked.

Comprehensive Protection for Your Boat

Standard boat insurance plans offer more than just basic coverage. They are designed to cover a wide range of scenarios, from accidents to environmental damage, no matter the age or size of your boat. For new purchases or seasoned vessels, we can find you the right level of protection to keep you safe and secure.

Our agents can help you find top-listed Boat Insurance for all types of boats, offering Liability coverage, and Damage Protection that goes beyond ordinary coverage.

What Does PWC Insurance Cover?

Some common coverages you might consider for your Watercraft:

• Liability Protection: Covers damages to others, including injury or property damage, if you are at fault in an accident.
• Physical Damage: Protects your PWC against damage from collisions, theft, or other incidents.
• Medical Payments: Helps cover medical costs if you or a passenger are injured while using your PWC.
• Uninsured Boater Coverage: Provides protection if you are in an accident caused by someone who doesn't have insurance.
• Towing and Assistance: Offers help if your PWC breaks down on the water, including towing to the nearest repair facility.

What's Not Covered under PWC Insurance?

It's important to know what's excluded from your PWC insurance policy.

Typical exclusions include:

• PWCs modified for increased speed or performance.
• Incidents resulting from reckless or unsafe use.

Make sure to review your policy details with Reliable Risk Management Group agents to understand the full scope of your coverage and any exclusions.

Before you hit the water, ensure you have the right PWC insurance in place. With the proper coverage, you can focus on enjoying your time on the water, knowing you're protected against the unexpected.

What a good trailer policy does for you

• Covers physical damage: collision and comprehensive for the trailer itself.
• Pays liability : if the trailer causes injury or property damage.
• Protects contents: tools, equipment, or personal items inside the trailer (optional).
• Adds practical benefits: roadside help, emergency expenses, and theft/vandalism protection.

Who this is for

• Tradespeople hauling tools and materials.
• Farmers moving supplies or livestock.
• Recreational users towing ATVs, lawn gear, or camping equipment.
• Equine owners transporting horses to shows or vet visits.

Reliable Risk Management Group works with multiple carriers to find the right fit. Get a clear quote and the coverages you need. Call us today for a custom trailer insurance quote.