PERSONAL INSURANCE

In RPG Insurance we have the knowledge and experience to insure all your personal assets like your auto, home, motorcycle, boat, and more, with some of the best Insurance Companies.

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AUTO INSURANCE

What is covered by a basic auto insurance policy?

Understand the coverage for your car

While different states have different mandates for auto insurance, most basic car policies consist of six types of coverage. Here’s what you need to know about each.

While different states mandate different types of insurance and there are several additional options (such as gap insurance) available, most basic auto policies consist of: bodily injury liability, personal injury protection, property damage liability, collision, comprehensive and uninsured/underinsured motorist.

Note that each type of coverage is priced separately, so there is variability in policy limits and pricing

Bodily injury liability

Bodily injury liability coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. It’s recommended that policyholders buy more than the state-required minimum liability insurance, enough to protect assets such as your home and savings.

Medical payments or personal injury protection (PIP)

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

Property damage liability

This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

Collision

Collision coverage pays for damage to your car resulting from a collision with another car, an object, such as a tree or telephone pole, or as a result of flipping over (note that collisions with deer are covered under comprehensive). It also covers damage caused by potholes.

Collision coverage is generally sold with a separate deductible. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you’re not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company and, if they are successful, you’ll also be reimbursed for the deductible.

Comprehensive

This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object. Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. It will also pay to repair your windshield if it is cracked or shattered.

Comprehensive insurance is usually sold with a separate deductible, although some insurers may offer the glass portion of the coverage without a deductible.

Uninsured and underinsured motorist coverage

Underinsured motorist coverage reimburses you, a member of your family, or a designated driver if one of you is hit by an uninsured driver or a driver who doesn’t have sufficient insurance to pay for your total loss. This coverage also offers protection in the event a covered driver is the victim of a hit-and-run or if, as a pedestrian, you are struck by an uninsured or underinsured motorist.

AUTO INSURANCE

HOMEOWNERS INSURANCE

What is covered by standard homeowners insurance?

Understanding the four essential protections provided by your homeowners policy

Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: coverage for the structure of your home; coverage for your personal belongings; liability protection; coverage for additional living expenses

Coverage for the structure of your home

Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy.

A standard policy will not pay for damage caused by a flood, earthquake or routine wear and tear.

When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home.

Coverage for your personal belongings

Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters. The coverage is generally 50 to 70 percent of the insurance you have on the structure of the house.

The best way to determine if this is enough coverage is to conduct a home inventory.

Personal belongings coverage includes items stored off-premises—this means you are covered anywhere in the world. Some companies limit the amount to 10 percent of the amount of insurance you have for your possessions. You also have up to $500 of coverage for unauthorized use of your credit cards.

Expensive items like jewelry, furs, art, collectibles and silverware are covered, but there are usually dollar limits if they are stolen. To insure these items to their full value, purchase a special personal property endorsement or floater and insure the item for its officially appraised value.

Trees, plants and shrubs are also covered under standard homeowners insurance—generally for about $500 per item. Trees and plants are not covered for disease, or if they have been poorly maintained.Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy.

A standard policy will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home.

Liability protection

Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter (or even your dog) accidentally ruins a neighbor’s expensive rug, you are covered. (However, if they destroy your rug, you’re out of luck.)

The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit stated in your policy documents.

Liability limits generally start at about $100,000, however, it’s a good idea to discuss whether you should purchase a higher level of protection with your insurance professional. If you have significant assets and want more coverage than is available under your homeowners policy, consider purchasing an umbrella or excess liability policy, which provides broader coverage and higher liability limits.

Your policy also provides no-fault medical coverage, so if a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This way, expenses can be paid without a liability claim being filed against you. It does not, however, pay the medical bills for your own family or your pet.

Additional living expenses (ALE)

ALE pays the additional costs of living away from home if you cannot live there due to damage from a an insured disaster. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.

Keep in mind that the ALE coverage in your homeowners policy has limits—and some policies include a time limitation. However, these limits are separate from the amount available to rebuild or repair your home. Even if you use up your ALE your insurance company will still pay the full cost of rebuilding your home up to the policy limit.

If you rent out part of your house, ALE also covers you for the rent that you would have collected from your tenant if your home had not been destroyed.

HOMEOWNERS INSURANCE

MOTORCYCLE INSURANCE

Find the right insurance coverage for your bike

Choosing the right insurance policy is much like choosing the right motorcycle.

You want it to fit your needs and lifestyle—and to be within your budget. Here’s a guide to insurance coverage for your bike—and some tips to make your insurance ride more “easy” on your wallet.

Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle—and to be within your budget. Here’s a guide to insurance coverage for your bike—and some tips to make your insurance ride more “easy” on your wallet.

In order to find out what coverage is best for you, it is important to understand all the options available.

Motorcycle coverage basics

Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Ask your insurance professional which laws apply in your state and understand all the coverage options available to best fit your needs.

Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover injury to you or damage to your motorcycle. Guest Passenger Liability, which provides protection in the event that a passenger is injured on your motorcycle, may also be available to you, depending on state laws and the company issuing your policy.
Motorcycle collision insurance covers damage to your motorcycle if you are involved in a collision with another vehicle. Your insurance company pays for damages (usually the book value of your bike before the loss occurred), minus your deductible.
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. Like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
Coverage for customized motorcycle parts. Many comprehensive and collision policies will only cover the factory standard parts on your motorcycle, or they will limit the coverage. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, check with your insurer to understand the limits of coverage.
Uninsured/underinsured motorist (UM/UIM) coverage pays for damages to you and/or your property caused by another driver who either doesn’t have insurance (uninsured) or doesn’t have adequate insurance (underinsured). UM/UIM policies typically pay for medical treatment, lost wages and, in some cases, property damage.

Factors that affect your motorcycle insurance costs

Your age, your driving record and where you live
Type or style of bike you ride—for example, sport bike, cruiser or custom motorcycle
Age of the motorcycle
Number of miles you ride a year
Where you store your bike

Motorcycle insurance policies vary so, as always, shop around for an insurer and insurance professional with whom you feel comfortable.

Tips for the cost-conscious rider

As with auto insurance, maintaining a good driving record with no violations will help keep your premium costs down. In addition, some insurers offer driver discounts and other ways to save money on your motorcycle policy. While offerings may vary by state and insurer, following is a sampling:

Training course discounts are offered to graduates of classes such as the Motorcycle Safety Foundation (MSF) rider course. This is particularly useful for riders under the age of 25, usually considered a higher risk. It’s also a good idea for riders who have already had accidents.
Multi-bike discounts can deliver savings to riders insuring more than one motorcycle. If available, getting your policy from your auto or home insurer may qualify you for a multi-policy discount.
Organization member discounts might be available if you belong to a motorcycle clubs or other associations.
Mature rider discounts can help experienced riders save money.
“Lay-up” policy savings. Available primarily in northern U.S. states, with a lay-up policy all coverage except comprehensive is suspended during the winter months when the bike is not being used, saving the driver money.

MOTORCYCLE INSURANCE

BOAT INSURANCE

Find the right insurance coverage for your bike

A boat insurance policy may cover you and your boat or personal watercraft against liability and damage in the event of a boating accident, including if you injure someone or damage someone else’s property with your boat. Boat insurance can also cover your motorboat, sailboat, or other types of watercraft in the event it is stolen. The parts of a watercraft that are typically covered by a boat insurance policy include the hull, machinery, furnishings, or any equipment that is permanently attached to your boat or personal watercraft (PWC).

At RPG, we know your boat and PWC are investments not only of time and money, but fun as well. RPG Insurance can help you protect your investment. Accidents happen, but with boat insurance, you can rest assured you’re covered on and off the water. We share your passion for watersports, put our experience to work for you and get a free online boat insurance quote or call us at (470) 237-4838.

What does boat insurance cover?

Boat insurance coverage varies based on your boat or watercraft. Typical boat insurance policy includes the following coverage:

For you and your boat:

Damage to your boat’s: hull, sails, equipment, furnishings, motor, and trailer
Liability
New boat replacement for new boats
Agreed hull value or actual cash value
Fuel spill liability
Medical payments
Salvage coverage and wreck removal
Uninsured boater protection

For others:

Damage to another boat
Damage to other property caused by your boat
Bodily injury/death of another person

Optional insurance coverages:

Multiple towing options, on and off the water
Disappearing deductibles
Coverage for your personal property
Coverage for your fishing equipment
Ice/freeze coverage

Optional insurance coverages:

There are a variety of factors that can influence how much boat insurance costs, including, but not limited to:

The size of your boat or personal watercraft
The type or model of boat or watercraft that you want to insure
The amount and type of coverage that you choose for your boat insurance policy
How you will use your boat or watercraft and how often
How your boat will be stored

Get a free boat insurance today!

BOAT INSURANCE

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Commercial Insurance

It is insurance that covers your business globally. It does so by offering you compensation in case of theft of goods or merchandise, fire or situations where a person is harmed by your civil liability.

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WORKER'S COMP

Workers comp is designated to help protect both employees and businesses. Employees get peace of mind that they will receive financial protection and medical care if they are injured on the job. For employers it significantly mitigates the risk of been sued by employees, reduces liability and protects them from a major financial loss.

WORKER'S COMP

GENERAL LIABILITY

General liability insurance helps protect business from claims that result from normal business operations. This type of insurance provides protection from bodily injuries, medical payments, advertising injuries, and more.

GENERAL LIABILITY

BUSINESS OWNERS

Also know as BOP insurance, is a policy that combines both property and liability coverage into one package.

BUSINESS OWNERS

LANDLORD COVERAGE

Landlord insurance is for the protection of the property, generally policies cover the structure, loss of rent, damage or injury that occurs on your rental property.

LANDLORD COVERAGE

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Commercial Vehicle

is a physical damage and liability policy that covers a vehicle not used as personal.

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WORK VANS

Commercial auto insurance is a business insurance policy that applies to autos owned by or used in your business that protects your business against liability for damages caused by accidents involving your business autos and provides certain compensation to occupants of your business autos injured in accidents. If your business owns vehicles, a commercial auto insurance policy can provide valuable financial protection to you and your employees while driving a company owned vehicle or a hired or personally-owned auto in your business operations. It’s important to know that a personal automobile insurance policy usually does not cover vehicles used in the operation of your business.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance typically provides coverage for: liability damages; collision or comprehensive physical damage loss to your business autos; medical expenses for injury to occupants of your business autos; and damages sustained by occupants of your business autos due to the negligence of an uninsured or underinsured motorist. The commercial auto policy provides physical damage coverage for vehicles you own, lease, hire or use in your business and liability coverage for bodily injury and property damage caused to others by your use of the insured business vehicles. It can include two types of physical damage coverage for your insured vehicles:

Collision loss: damage from auto accidents.
Comprehensive loss: damage from weather, theft and other non-collision causes.

It also includes two types of liability coverage:

Bodily injury coverage: for accident-related injuries to others when you’re at fault.
Property damage coverage: from accident-related damage to someone else’s property, such as a car or house, when you’re at fault).

Do I Need Commercial Automobile Insurance?

If you own, lease, hire or use vehicles for business, you should minimally carry liability coverage. It’s mandatory in most states for owned autos. In addition, businesses that move goods or people across state lines are required by federal law to have it. For larger commercial vehicles, you may need a commercial truck insurance policy. You need commercial auto insurance for vehicles that:

Are used for business.
Carry a commercial license plate or tag.
Are registered commercial.

You should also carry commercial auto coverage if you or your employees use vehicles for work-related tasks, such as:

Driving clients to the airport;
Going on sales calls;
Taking packages to a shipper;
Shopping for office supplies.

Important to know: You may be required to get additional coverage if you use vehicles for certain functions, including:

Delivering food, products or publications;
Acting as a chauffeur, taxi or limo service;
Transporting flammable or hazardous materials;
Carrying equipment;
Towing vehicles;
Trucking and moving freight.

How Does Commercial Auto Insurance Work?

Commercial auto insurance covers vehicles used for business and the people who drive them. If you or a driver of your business vehicle causes an accident that injures another person or damages their property, they can file a claim on your policy and bring a lawsuit against you or the driver. Your liability insurance will cover costs to pay damages on the claim up to the policy limit. You or your business will be responsible for any amount of damages above the limit. Your liability insurance will also cover the costs to defend you or the driver of your business vehicle in an accident-related lawsuit, separate from the policy limit.

What are the Coverages Included in a Commercial Auto Insurance Policy?

Many types of coverage are available. Some of the most common coverages include:

Collision coverage pays for accident-related damage to your insured business vehicle.
Comprehensive coverage pays for damage to your insured business vehicle from non-collision causes such as theft, weather, vandalism or fire.
Rental reimbursement pays for a rental vehicle, up to certain limits, after an accident causes damage to your insured business vehicle.
Liability coverage pays injury damages to others and damage to other people’s property if you are at fault, including your legal expenses if you’re sued.
Uninsured or Underinsured Motorist coverage pays for injury damages to or property damage suffered by occupants of your insured business vehicle if the accident is caused by an inadequately insured driver.
Personal Injury Protection pays medical expenses and income loss for accident-related injury suffered by occupants of your insured business vehicles, regardless of fault.
Medical Payments coverage pays medical or funeral expenses for accident-related injury suffered by occupants of your insured business vehicles, regardless of fault.

These coverages are available for autos you own and may be available for autos you hire or lease or for non-owned autos (autos used in your business that you don’t own, hire or lease). Some of these coverages vary by state. If your autos are garaged out of state, check with your agent to ensure you have adequate coverage for the states where your insured autos will be used.

Is Personal Use Covered by a Commercial Policy?

Personal use of a business vehicle is generally covered by a commercial policy. However, certain coverage for family members is often not provided. Check with your agent to determine whether you need additional coverage for family use.

How Do I Purchase Commercial Auto Insurance?

You can purchase commercial auto insurance through an independent insurance agent. They’ll take time to understand your business operations and vehicle use so they can find optimal coverage at a fair price. Your agent will also guide you through the claims process when an incident occurs. Using one agent for all your business insurance may help ensure your business has maximum protection and you aren’t paying for unnecessary duplicate coverage.

How Much Does a Policy Cost?

It depends. The price is based on factors including:

Business size;
Number and types of vehicles insured;
Number of employees driving vehicles insured;
Costs of vehicles hired;
Business and driving risks;
Amount of coverage.

An agent can help you find affordable coverage.

Are Premiums Tax-deductible?

Sometimes they can be deducted when a vehicle is used for business. Check with your tax expert to find out for sure.

You’ve worked hard to build your business.

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LANDSCAPE TRUCKS

What Does Commercial Auto Insurance Cover?

Collision loss: damage from auto accidents.
Comprehensive loss: damage from weather, theft and other non-collision causes.

It also includes two types of liability coverage:

Bodily injury coverage: for accident-related injuries to others when you’re at fault.
Property damage coverage: from accident-related damage to someone else’s property, such as a car or house, when you’re at fault).

Do I Need Commercial Automobile Insurance?

Are used for business.
Carry a commercial license plate or tag.
Are registered commercial.

You should also carry commercial auto coverage if you or your employees use vehicles for work-related tasks, such as:

Driving clients to the airport;
Going on sales calls;
Taking packages to a shipper;
Shopping for office supplies.

Important to know: You may be required to get additional coverage if you use vehicles for certain functions, including:

Delivering food, products or publications;
Acting as a chauffeur, taxi or limo service;
Transporting flammable or hazardous materials;
Carrying equipment;
Towing vehicles;
Trucking and moving freight.

How Does Commercial Auto Insurance Work?

What are the Coverages Included in a Commercial Auto Insurance Policy?

Many types of coverage are available. Some of the most common coverages include:

Collision coverage pays for accident-related damage to your insured business vehicle.
Comprehensive coverage pays for damage to your insured business vehicle from non-collision causes such as theft, weather, vandalism or fire.
Rental reimbursement pays for a rental vehicle, up to certain limits, after an accident causes damage to your insured business vehicle.
Liability coverage pays injury damages to others and damage to other people’s property if you are at fault, including your legal expenses if you’re sued.
Uninsured or Underinsured Motorist coverage pays for injury damages to or property damage suffered by occupants of your insured business vehicle if the accident is caused by an inadequately insured driver.
Personal Injury Protection pays medical expenses and income loss for accident-related injury suffered by occupants of your insured business vehicles, regardless of fault.
Medical Payments coverage pays medical or funeral expenses for accident-related injury suffered by occupants of your insured business vehicles, regardless of fault.

Is Personal Use Covered by a Commercial Policy?

How Do I Purchase Commercial Auto Insurance?

How Much Does a Policy Cost?

It depends. The price is based on factors including:

Business size;
Number and types of vehicles insured;
Number of employees driving vehicles insured;
Costs of vehicles hired;
Business and driving risks;
Amount of coverage.

An agent can help you find affordable coverage.

Are Premiums Tax-deductible?

Sometimes they can be deducted when a vehicle is used for business. Check with your tax expert to find out for sure.

You’ve worked hard to build your business.

LANDSCAPE TRUCKS

TOW TRUCKS

DELIVERY TRUCKS

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Transportation Insurance

A type of commercial auto policy designed to address the needs of the professionals that are always on the road (i.e.trucking, bus drivers, ) industry. Coverages available include auto liability, trailer interchange, and auto physical damage, other coverages are available by endorsement.

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DUMP TRUCKS

Transportation Insurance — a commercial auto policy designed to address the needs of the “for-hire” motor carrier (i.e., trucking) industry. Coverages available include auto liability, trailer interchange, and auto physical damage; other coverages are available by endorsement.

DUMP TRUCKS

PASSENGER BUS

18 WHEELER

TOW TRUCKS

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