Shopping for ATV and Boat Insurance in Iowa
Living in Iowa means enjoying the great outdoors. Whether you cruise down scenic backroads on your motorcycle, explore the lake on your boat, or conquer off-road trails in your side-by-side, having the right insurance keeps the fun rolling – even if things take an unexpected turn. Here at TSJK Insurance, we understand the unique needs of Iowa’s power-sports enthusiasts. We can help you find the perfect motorcycle, boat, or side-by-side insurance policy that protects your prized possession and gives you peace of mind.
Standard Coverage for Every Ride
TSJK offers essential coverage for your motorcycle, boat, or side-by-side. Here’s a breakdown of what’s typically included:
Bodily Injury and Property Damage Liability
Also known as BI and PD, this coverage is for injuries and damage to others, caused by you. Imagine you’re enjoying a motorcycle ride with friends, and you accidentally hit another bike at a stoplight. Liability insurance would pay for the medical bills of the injured driver and passenger, as well as repairs to their bike. It would also cover any unrelated passenger of yours.
Medical Payments
This coverage helps pay for medical expenses you and your passengers incur in an accident, regardless of who’s at fault. Let’s say you missed a turn on your side-by-side while exploring a trail. Medical Payments coverage would help with medical bills you or members of your household named on the policy might have.
Uninsured/Underinsured Motorist Coverage
Otherwise known as UI/UIM, this coverage protects you if you’re hit by a driver at fault with no insurance or insufficient insurance to cover your damages. Suppose you’re cruising on your motorcycle and get run off the road by a driver who speeds off without stopping. Uninsured motorist coverage would help compensate you for your injuries.
Collision Coverage
Collision coverage reimburses you for repairs to your motorcycle, boat, or side-by-side if it’s damaged in a collision with another object or vehicle, even if you’re at fault. Let’s say you lose control of your motorcycle on a gravel road and end up in a ditch. Collision coverage would pay to get your motorcycle back up and running.
Comprehensive Coverage
Comprehensive Coverage, sometimes referred to as “Other than Collision,” protects your vehicle from losses caused by theft, vandalism, weather events (hail, fire, etc.), and animal collisions. Imagine a powerful storm rolls through your area, damaging your boat docked at the lake. Comprehensive coverage would help cover the repair costs.
Roadside Assistance
This 24/7 service can be a lifesaver if your motorcycle breaks down on the road, your boat battery dies on the water, or your side-by-side gets stuck in the mud. Roadside assistance may provide services like towing, jumpstarts, and flat tire changes, depending on the carrier.
Towing and Salvage
This covers the cost of towing your disabled vehicle to a repair shop and even helps remove wreckage from an accident scene. Picture yourself enjoying a side-by-side adventure deep in the woods when the engine sputters and dies. Towing and salvage coverage could get your vehicle back to civilization.
Save Money with TSJK Insurance Discounts
At TSJK Insurance, we believe in making power sports insurance affordable. Here are some typical discounts you may qualify for:
- Multi-policy: Insuring multiple vehicles (e.g., motorcycle and side-by-side) with TSJK can earn you a discount.
- Safety Courses: Completing approved motorcycle or boating safety courses can reduce your premium.
- Mature Driver: Experienced riders and boaters with clean driving records may qualify for discounts.
- Anti-Theft Devices: Equipping your motorcycle, boat, or side-by-side with anti-theft devices can lower your premium.
- Loyalty: Long-term TSJK Insurance customers often benefit from loyalty discounts.
These are just some of the potential discounts available. Contact a TSJK Insurance agent to see which ones you qualify for and how much you can save.
Why Choose TSJK Insurance for Your Iowa Power Sports?
At TSJK Insurance, we’re passionate about the outdoors and understand the thrill of exploring Iowa’s diverse landscapes. We go beyond just selling insurance – we’re your partners in adventure. Here’s why TSJK Insurance should be your first stop for motorcycle, boat, and side-by-side insurance:
- Local Experience: Our agents live and work in Iowa communities. They understand the unique risks associated with power sports activities in our state and can tailor your coverage accordingly.
- Personalized Service: We take the time to get to know you and your power sports needs. We don’t offer a one-size-fits-all approach.
- Competitive Rates: We work hard to find you the best coverage at the most affordable price. We’ll shop around with multiple insurance companies to ensure you get the best deal.
- Claims Advocacy: In the unfortunate event of an accident, our team will be by your side to guide you through the claims process, ensuring you receive fair compensation.
- Trusted Reputation: We’ve built a strong reputation for exceptional customer service and reliable insurance products.
Contact TSJK Insurance Today!
We’re here to help you find the perfect insurance policy for your ATV, Boat, Pontoon, Motorcycle, or other toy. If it gives you peace of mind, give us a call to get a free quote and discuss your options with a friendly and knowledgeable agent.
