Collector and Classic Car Insurance: 

-1989 and older 

-Covered total loss, you will receive exactly how much your car is worth! 

-No fixed milage restrictions 

-24/7 roadside assistance for lockouts, battery jumps, tire changes, and emergency fuel delivery 

1990 and Newer Collector Vehicles:

-Limited editions, exotics and supercars 

-Desirable vehicles include convertibles, 2-door sport cars (few 4-door sedans are collectible), cars with big block V8 engines, or rare and limited-edition vehicles

-Minimum value is $3,500

- Must be in good condition unless under active restoration 

-Annual milage up to 5,000

Collector Truck and SUV Insurance:

-15 years or older 

-Minimum value is $3,500

-Vehicles may not primarily be used for off-roading, camping or utility use such as pulling, hauling or towing

-Extreme off-road modifications such as brush guards, roll bars, toolboxes and lift kits with large off-road tires will not be accepted

Motorcycle and Scooter Insurance:

-Collector and raced 

Motorcycles:

-Must have at least 10 years' driving experience

-Must have a valid motorcycle endorsement, license or permit

-1996 or older

-Minimum value of $2,000

-Must be stored in a fully enclosed garage

Scooters:

-25 years or older

-Minimum value is $2,000

Collector Boats:

-Types include: fiberglass, wooden, runabouts, utilities, launches, cruisers, and sailboats 

-If you suffer entire loss, you will receive the full value of your boat 

-Minimum of three years' operating experience

Insurance for Motorsports Enthusiasts:

-On and off the track

-This includes: racecars, dragsters, pro-street, and racing motorcycles

*Coverage differs based on the type of motorsport vehicle*

Modified Cars: 

-Rods and replicas 

They can include the following:

-Significant performance increases such as an addition of a blower, supercharger or turbocharger

-Structural alterations to the body/chassis/frame

-Custom paint worth $10,000 or more

-Hydraulics

Classic and Antique Tractor Insurance:

-25 years and older

-Must be in good condition unless under active restoration

-Minimum value is $2,000

-Not used for farming or utility use

Military Vehicle Insurance: 

-20 years and older

-Minimum insured value is $3,500

-No off-road driving 

-Battle re-enactments can be considered when the vehicle is mostly stationary

-De-militarized (armaments removed or disabled)

-Vehicles should not be primarily used for hauling or towing

Retired Commercial Vehicle Insurance: 

-25 years and older 

-Minimum value for semi-tractor/trailers is $3,500

-Must be in good condition unless under active restoration

-No ownership by municipalities, clubs or other non-profit organizations

-No commercial usage

Car Trailer Insurance:

-Trailers for vehicles and street rods 

-Minimum value is $3,500

-Have a VIN and be licensed for road use

-Inexpensive home-built trailers are not eligible

-Trailers with “motor home” type accommodations (sleeping and cooking) will be considered on a case-by-case basis

-All Vehicle Trailers are written with a minimum $250 deductible

-No trailer-only policies

*Street rod trailers must be part of the collector car’s image*