KGS Insurance Agency Erie Insurance
HOME > SPECIALTY VEHICLESWednesday, August 15, 2018

Recreational Vehicles

KGS Insurance offers coverage for all of the recreational vehicles you own. We offer coverage for your motorcycles, ATV's, snowmobiles, trailers, and RV's. Call today for your specialized coverage and competitive quote and keep all of your insurance in one agency location.

Car InsuranceMotorcycle/ATV/Snowmobile: We insure most motorcycles, including cruisers, sport bikes, touring bikes, dirt bikes, mopeds, scooters, and ATVs. Although the state may require you to carry liability coverage, you can also add physical damage coverage to your vehicle. Medical, accessory, roadside assistance, and other coverage can be added to your individual policy too.

Total loss coverage is available to pay to replace a bike in its first two years with a new one at the MSRP sticker price in the event it is a total loss.

Trip Interruption coverage is available to cover up to $200 a day for lodging, food, and transportation if your motorcycle becomes disabled.

Diminishing deductible is a feature on some carriers' motorcycle policies for each year you are claims free.

*Most homeowners policy cover liability for ATV's and Snowmobiles only at the residence and include no physical damage, transport trailer, or accessory coverage. Better coverage is available on the specialized policies designed for motorcycles, ATV's, and snowmobiles.

Safety Course Discount - This discount applies if you have completed a state-approved safety course in boating or motorcycle safety in the last three years.

Motorcycle Endorsement Discount - If you have the endorsement on your PA state driver's license, you are eligible for this discount on a motorcycle policy.

Recreational Vehicle (RV):This broad coverage applies to pop-up campers, travel trailers, and motorhomes. While you can simply add your RV to your current auto policy, a specialized RV policy affords more coverage when you need it.

  • Some auto policies will only cover the actual cash value of the motorhome or travel trailer. An RV policy offers total loss replacement cost of a similar make and model if yours is totaled.
  • You can also add vacation liablility coverage, roadside assistance, and a full-timer's package if it is your primary residence. Vacation liability or emergency expense would cover your additional expenses for lodging and transportation in the case of an emergency while traveling.
  • Some RV policies offer diminishing deductibles for each year you are claims free too!

*Discounts are available for responsible drivers, original owners, and multiple policies with the same carrier.