Own a home, including a condo, townhouse, duplex, single or double-wide? You’ll own another discount just for being a homeowner.

Are you the original owner of your motorhome or travel trailer? If so, you’ll collect a discount as long as you carry RV comprehensive and collision coverage.

As soon as you start your policy for RV with Capital insurance service, you’ll earn small accident forgiveness. That means your RV insurance rate won’t increase if you have a claim of $500 or less.

We’ll apply an RV insurance discount if you’ve had no motor vehicle accidents or violations in the past three years.

Pay your policy upfront and in full and we’ll pay you back with a discount.

Coverage that pays when the insured is legally responsible (at fault) for bodily injury (including death) and property damage caused by the vehicle or operation of someone else’s vehicle with permission. The limits selected must be the same for each vehicle listed on the policy. If a vehicle is garaged out of state, select limits that are equal or greater than the minimum limits in that state.

This coverage pays up to specified limits for bodily injury and property damage for which an insured person is legally liable as a result of an accident that occurs while the RV is used as a temporary vacation quarters or is being stored at a campsite or a storage facility.

Covers injury to individuals riding in the vehicle regardless of who caused the accident. The same coverage limits will apply to all vehicles on the policy.

To make things simple, we’ll define any powerboat that exceeds 70 MPH as a high-performance boat. These days, there are plenty of boats that can run more than 120 MPH and several models that—with enough horsepower—can top 180 MPH.

These are suited for casting a line, but some powerboats are better suited to fishing than others.

Sailboats use sails to catch the wind and propel them through the water. There are many types of sailboats and larger yachts, which people use for recreation, sports, and transportation over long distances. There are several different sailboat styles, and they’re often classified by the design of the hull.
Monohull: The most straightforward and most familiar design, monohull ships have a single, large body that sits low in the water and floats by displacing water
Catamaran: This style has a wide construction of two small hulls joined by a deck, which gives more deck and cabin space and rides higher in the water
Trimaran: Like a catamaran but with three hulls (hence the name). They’re like catamarans but more stable, thanks to the third hull. Within these hull types, sailboats can be further divided into day sailers, ketches, and cruisers.

Classic boats are often believed to be only of wooden construction, but that definition has changed over recent years as the GRP – glass fibre – designs have aged and become regarded as ‘vintage’ and allowed take part in classic regattas.

P Provides coverage for injuries caused by an at fault boater that does not carry insurance. The policy must have Bodily Injury to add Uninsured Boater coverage. The same coverage limits must be selected for each vehicle on the policy.

Covers injury to individuals riding in or water-skiing from the watercraft regardless of who caused the accident. The same coverage limits will apply to all vehicles on the policy. Bodily Injury coverage is required to select Medical Payments coverage.

Comprehensive coverage provides coverage for your watercraft in the event of fire, theft, vandalism, and acts of nature. Coverage is subject to the deductible amount selected.

The insurance company will pay reasonable costs incurred for any attempted raising, removal, or destruction of the wreckage of an insured watercraft resulting from any loss for which comprehensive and collision coverage is provided. The limit of liability varies based on whether or not you are legally required to raise, remove or destroy the watercraft.

The insurance company provides free pet injury coverage as part of your Collision coverage. This coverage pays up to $1,000 toward veterinary bills if your dog or cat is injured when you’re in an accident. We also cover them for comprehensive claims, such as vehicle theft or a fire. In the unfortunate event that your pet dies as a result of injuries sustained in your collision or comprehensive claim, we provide a $1,000 death benefit.

A coastal navigation limit of 75 miles is included for all listed watercraft at no additional premium. We automatically cover you out to 75 nautical miles from the coast of the United States and their respective territories.

A coastal navigation limit of 125 miles is available for additional premium for powered boats at least 26 feet in length with at least 2 primary engines, and sailboats at least 26 feet in length with at least one inboard engine. The 125 mile coastal navigation limit extends coverage from 75 miles to 125 miles from the coast of the United States and Canada, and includes the territories and the territorial waters of the Commonwealth of Bahamas that exist 125 miles or less from the coast of the United States. Territories and territorial waters of other countries are not covered.

Coverage for the insured’s personal items that are normally used in conjunction with the insured vehicle. Provides coverage up to the specified limit. A deductible will apply.