Richardson-Harris-Boatwright Insurance also offers coverage for Umbrella policies, Motorcycles, Boats, Recreational Vehicles, Jet-Skis, Rental Properties and Trailers.
Umbrella Insurance
Umbrella policies provide excess coverage over the underlying or primary liability policy. Both Personal Umbrellas, which provide coverage above the Homeowners and Personal Auto Liability coverage, and Commercial Umbrellas, which provide coverage over the Commercial Liability and Auto coverage, are available and are commonly written to provide a minimum of $1,000,000 in additional coverage. These types of policies are crucial in providing comprehensive protection for individuals and businesses due to the escalating suits and judgments being handed down in courts.
Motorcycle Insurance
Motorcycle Insurance can include coverage for collisions, theft, vandalism and damage cause by uninsured or underinsured drivers. Other coverage options can include, but are not limited to additional custom equipment, medical payments, property damage, guest passenger liability and even towing and labor.
Renters Insurance
Renters Insurance covers a policyholder's belongings against perils such as fire, theft, windstorm, hail, explosion, vandalism, riots, and others. It also provides personal liability coverage for damage the policy holder or dependents cause to third parties. In addition, the policy allows for additional living expenses, also known as loss of use coverage, if a policy holder must move while his or her dwelling is being repaired. Coverage for property improvements can also be included. Possessions can be covered for their replacement costs or the actual cost value that includes depreciation.
Watercraft Insurance
Boat Insurance coverage includes medical payments, physical damage, and watercraft liability. Medical payments typically cover passengers in the boat, water-skiers being pulled behind the boat and passengers swimming near the boat. Physical damage coverage typically covers not only the boat itself, but the motor and trailer. Coverage applies to the boat while it is being driven, stored, towed and launched. Finally, watercraft liability includes damages caused to other boaters, boats and docks.
Insurance Agency, Inc. • 3829 Old Buckingham Road • P.O. Box 579 • Powhatan, VA 23139
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