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Will Your Auto Insurance Policy Cover Your ATV?

While cars and ATVs are four-wheeled vehicles, they usually don’t qualify for the same insurance policy. Standard car insurance policies will not cover an ATV. These policies, and their coverage limits, are designed for cars and trucks, such as your daily vehicle. Many companies will not cover ATVs, but may let you bundle an ATV and auto policy.

Insurance Poliies for ATVs

That doesn’t mean you’re out of luck when it comes to getting a policy for your ATV. A separate ATV policy can cover liability, bodily injury, theft, damage from natural disasters, and other related risks. Speak with a professional at August Vincent Insurance Agency to learn more about specialized policies.

Will Your Home Insurance Cover Your ATV?

Your homeowner’s policy may provide limited coverage. These policies can cover damage for covered perils, such as wind damage or theft. On the other hand, they do have stricter coverage limits for things like ATVs, and may not provide the coverage you need to replace yours if it’s damaged. Home insurance policies also typically do not cover liability or bodily injury.

We know that you love spending the day with your ATVs, and how devastating it would be if something were to happen to it. An insurance agent at August Vincent Insurance Agency can help you learn more about your options. Contact us. We’re currently serving the Crystal Lake, IL, area.

An effective inventory is a tremendous benefit for those suffering a fire or other significant loss. Creating and maintaining a home inventory involves planning and execution. The planning component involves deciding how to build the initial inventory. The execution consists of updating your inventory monthly or quarterly. If you need home or other insurance, consider the August Vincent Insurance Agency, serving Crystal Lake, IL.

Creating Your Home Inventory

Those who suffer a loss and have a current home inventory receive faster, more accurate settlements. Having detailed documentation of losses that occurred eliminates guesswork and helps the insurer determine the value of your loss, allowing you to recover its full value.

The best way to create a home inventory is to use a spreadsheet or app that allows you to upload receipts and take photos and videos. Whichever tool you prefer, you should store the information in the cloud or in a location other than your home so your inventory remains safe from damage.

The key steps in creating and managing your inventory include the following:

Create a Plan

Organize your inventory room-by-room or another method. A room-by-room inventory makes video recording easy, and your valuables are often organized by room anyway.

Big-Ticket Items First

Inventory more expensive items first and group lower-value items, such as "four pairs of running shoes."

Regular Updates

On an ongoing basis, immediately inventory purchases over a specific dollar amount and update your video and inventory annually.

The August Vincent Insurance Agency Difference

Maintaining a home inventory takes discipline but is highly valuable if you suffer a loss. The August Vincent Insurance Agency, serving Crystal Lake, IL, will help you develop your insurance plan, so call (847) 217-2184 or stop by to make an appointment.