RV, Boat and Watercraft
RVs and Travel Trailers
Pittsfield Insurance knows RVers, and we understand how important your home on wheels is to you. That’s why our coverages are designed by people who know about riding the open road and why our claims are handled by adjusters who deal specifically with recreational vehicles.
POLICY FEATURES - Standard coverages include:
Total Loss Replacement Cost
Helps protect you from the effects of depreciation. In the event that a new-model travel trailer is damaged beyond repair within its first five model years, and it is still owned by the original owner, we’ll pay to replace it with a brand new one of similar kind and quality. This option could save you thousands of dollars!
Towing and Roadside Assistance
Eliminates the hassle of buying a separate towing plan. This valuable service is available 24 hours a day, 365 days a year throughout the United States and Canada.
Full-Timer coverage
Provides liability protection similar to a homeowners policy when the travel trailer is parked and being used as a residence.
Personal Property coverage applies to personal property loss that occurs either inside or outside the travel trailer. Both ACV and Replacement Cost are available. Pet coverage may be included.
Diminishing Deductible
Included without any premium charge. For each consecutive year the travel trailer is insured by Foremost without a paid loss, we will reduce the deductible by 25%. Foremost renewal customers may have consecutive loss free policy years, so deductibles might be diminished already.
Campsite/Vacation Liability Coverage
Provides coverage when the travel trailer is parked and being used as a vacation site.
Emergency Expenses coverage
Pays for lodging or travel home if the travel trailer is damaged by a covered loss more than 50 miles from home.
Tiny Houses
Professionally-built tiny houses may also be eligible, subject to approval.
Boats and Personal Watercraft
Pittsfield Insurance knows boaters, and we understand how important your ride is to you. That’s why our coverages are designed by people who know about cruising the open water and why our claims are handled by adjusters who deal specifically with watercraft.
POLICY FEATURES
Extensive Package Offerings
More choices for more people! Customers can choose a low-cost Saver package, a value-packed Plus package, or the Elite package with all the bells and whistles. We also offer specialized packages for Personal Watercraft, Pontoons, Classics, and Performance boats.
Diminishing Deductible
For every year that the policy is loss-free, we will reduce all applicable deductibles by 25%. Included in our Plus and Elite packages.
Total Loss Replacement Cost
If a replacement watercraft is purchased after a covered total loss, and the replacement price is above the Amount of Insurance, we will pay the additional amount spent for the replacement watercraft up to an amount of 20% of the Amount of Insurance. This coverage is available on watercraft up to three years old in our Plus package, and for watercraft up to five years old in our Elite package.
Replacement Cost Personal Property
Personal Property losses are paid at full replacement cost with no depreciation applied. Unlike other carriers, we don’t exclude fishing equipment or charge a separate premium. There are no sub-limits and the coverage has a low $100 deductible.
Industry-Leading Coverages
Our Plus and Elite packages contain many desirable coverages, such as: Watersports Liability, Pollution Liability, Wreck Removal, Depreciation Waiver, Boat Lift, Hurricane Haul-Out, Pet Coverage, Fishing Tournament Fee Reimbursement, Dinghy, Loss Forgiveness, Trip Interruption, and more!
Discounts
There are several ways you can save money by choosing Foremost for your boat. Here are just a few of the discounts available:
- Paid-In-Full
- Prior Insurance
- Loss-Free Renewal
- Lay-Up
- Insured Age 55+
- Safety Course
- Multi-unit
- Protective Devices
- Affinity
- Multi-Policy
- Alliance
WHY USE AN INDEPENDENT AGENT?
There are so many ways to buy insurance today – why not stick with a trained professional who knows the ropes? Your local agent can provide personal care and followthrough you wouldn’t receive online. An agent will focus on saving you time, money and hassle when purchasing and maintaining your insurance. They will help you choose the best policy for your lifestyle.