Covering Life's Unique Adventures: Specialty Insurance Options
Life is not just about commuting to work and maintaining your home; it is about the weekends, the vacations, and the hobbies that bring you joy. Whether you love spending your summers navigating the local lakes in a pontoon boat, cruising the scenic highways on a custom motorcycle, taking the family cross-country in a luxury RV, or showing off your meticulously restored classic car at local cruise nights, you have worked hard to afford your passions. However, many people mistakenly believe that these unique "toys" are fully covered by their standard home or auto insurance policies. They are not. At Aaron Michael Burns Insurance, we specialize in providing tailored Specialty Insurance that protects your unique lifestyle, ensuring your greatest adventures are never derailed by an unexpected accident.
One of the most common coverage gaps we see involves recreational watercraft. If you own a boat, a Jet Ski, or a fishing vessel, relying on the limited coverage extended from your homeowners policy is incredibly risky. Standard home insurance offers very little liability protection for accidents that happen on the water, and it severely limits the payout if your boat is damaged or stolen. Our dedicated Boat and Watercraft Insurance policies provide comprehensive protection designed specifically for the marine environment. We ensure you have high liability limits in case of a collision with another vessel, coverage for wreck removal and fuel spill clean-up (which can cost tens of thousands of dollars), and specialized coverage for your expensive on-board equipment, such as navigation systems, custom fishing gear, and heavy-duty trailers.
For those who prefer the open road on two wheels, Motorcycle Insurance is an absolute necessity. A motorcycle exposes you to vastly different risks than a standard passenger sedan. Our specialized motorcycle policies go far beyond the state minimum liability requirements. We focus on providing robust bodily injury protection for both you and your passengers, comprehensive coverage against theft and vandalism, and specialized endorsements for custom parts and equipment. If you have spent thousands of dollars adding custom exhaust pipes, custom paint, or upgraded saddlebags to your Harley-Davidson or sportbike, Aaron Burns ensures that those expensive upgrades are explicitly documented and fully covered in the event of a total loss.
We also cater to the growing community of RV and motorhome enthusiasts. An RV is a unique hybrid; it is both a vehicle and a primary residence while you are on the road. A standard auto policy cannot account for the risks of living in your vehicle. Our specialized RV Insurance provides coverage for things like emergency expenses if your motorhome breaks down miles away from home, paying for your hotel and transportation while it is being repaired. We also offer vacation liability coverage, which acts like homeowners liability for your campsite, protecting you if a guest trips over your awning tie-down and gets injured. For newer RVs, we can even secure Total Loss Replacement coverage, ensuring that if your rig is totaled in the first few years, the insurance company buys you a brand-new, comparable model rather than just cutting you a depreciated check.
Finally, for the automotive purists in our community, we offer specialized Classic and Collector Car Insurance. If you own a vintage Mustang, a restored antique, or a high-performance exotic car, you know that its value appreciates over time, unlike a standard daily driver. A standard auto policy will attempt to depreciate your classic car in the event of a claim. We utilize "Agreed Value" policies for classic cars. You and the insurance company agree on the exact value of the vehicle upfront, meaning if the car is destroyed or stolen, you receive that exact amount, with absolutely no depreciation taken out. At Aaron Michael Burns Insurance, we share your passion for life’s unique adventures. Let Aaron Burns handle the specialized paperwork and risk management, so you can focus entirely on enjoying the ride, the water, and the open road with complete confidence.
