Boat and Motorcycle Insurance

Boat Insurance

Although boat insurance is not required in any state, it’s a smart idea to protect your investment against storms, accidents, passenger injuries, rough seas, hypothermia, etc. The next question is how much insurance and what type of insurance you need or would like to have. As with car insurance, full coverage boat insurance covers almost everything, including theft, fire, accidents, and natural disasters.

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If you have the financial ability to absorb unexpected costs or if you simply want to keep your insurance costs low, liability boat insurance will cover costs of damages to other people or property, NOT your own damages. (Full coverage may be required if you are still financing your boat, just like with cars.)

Consider the following:

  • The value of your boat
  • The risks you take while boating
  • The location where you do most of your boating
  • How much insurance you can afford
  • How much cost you can cover should you need repairs

And keep in mind the possibility that you could be sued if others suffer as a result of a boating accident.

Motorcycle Insurance

Motorcycle insurance isn’t a choice – you must have a policy taken out on your bike in order to drive legally. Much like car insurance, liability coverage is mandatory. Collision insurance, comprehensive coverage and uninsured/underinsured motorist coverage are optional coverages that you may wish to add to your policy. Below are brief descriptions of the various coverage options for your motorcycle:

Liability Insurance:

This type of insurance covers any damage or injury you may cause to property or other people in the event you are deemed to be at-fault in an accident or collision. However, it doesn’t cover you or your motorcycle. Some policies may include coverage for a guest passenger as well, but this is not guaranteed.

Collision Insurance:

You can add collision insurance to your policy to cover your motorcycle if liability insurance isn’t enough to help you sleep soundly at night. Collision insurance pays for damage to your motorcycle, less your deductible. Even if the damage is your fault, this coverage will still apply.

Comprehensive Coverage:

This coverage protects your bike from non-accident related perils; including fire, theft, and acts of vandalism.

ATV Insurance

When it comes to your all-terrain vehicle (ATV), standard auto or homeowner’s insurance may not give you the protection you need once you're off-road, trail-riding or even simply transporting and storing your bike. ATVs present unique risks, so making sure your coverage matches your vehicle is crucial.

At SFI Group, we have experience in finding ATV-specific insurance policies that cover more than basic liability. They address the risks of trail-use, trailer transport, and even theft or damage to the vehicle. Don’t assume your ATV is covered simply because you have a home or auto policy! SFI Group is here to help you enjoy your ride!

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You may also call (888) 324-0140 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state. 

I have known Scott Wheeler and known of SFI Group for many years as a part time resident and homeowner in North Topsail Beach. Scott and his company have a stellar reputation as a local business that works on a national scale. When I become President of our HOA, I connected with Scott to discuss his business and how we could benefit from utilizing his services. Following Hurricane Florence, I saw firsthand and heard from neighbors how great Scott and his team were in response to the devastation.

Ultimately, St Regis selected SFI Group as our broker of record and have been very pleased with all aspects of the full service agency. Scott made personal visits to speak with our board to fully explain the policies that he was proposing and take our questions. Once in place, he did the same thing at an owners meeting, even staying afterwards to take additional questions. In addition to being well insured, we feel that we are in good hands with a strategic partner, friend, and neighbor in Scott and SFI Group.

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Local Agent. National Support.

Correll Insurance Group offers the best of both worlds—you get to use a local, independent agent who lives in your town and knows you personally, but this agent is backed by a strong, national firm that has served the Southeast for nearly 90 years. So you don’t have to choose between having a personal relationship with your agent and knowing they have access to world renowned markets. You’ll get both with Correll.

CORRELL INSURANCE GROUP >>

Correll Insurance Group

1961 NC Hwy 172, Suite 109 Sneads Ferry, NC 28460 |
910-327-3388

13480 NC-50 Surf City, NC 28445 |
910-329-4443

Mailing Address |
PO Box 519 Sneads Ferry, NC  28460 |
Fax: 910-329-4449

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