Collector Car Insurance

Yes.  You may have noticed there’s a big difference between collector car insurance policies and regular use policies, including cost.

Classic car insurance or collector car insurance can save you a significant amount of money and increase your coverage because traditional auto insurance carriers are geared towards insuring a larger volume of vehicles. They simply don’t know how to treat your specialty or collector car.

Classic cars are usually considered antique vehicles (15 – 20 years old or older). Collector cars can also include:

• Exotic autos new and old
• Muscle cars
• Sports cars of all ages
• Rare or desirable

We understand what collector car owners want and need to protect their investment.

Motorcycle Insurance

Yes.  Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about.  Being responsible includes finding the right insurance for your motorcycle.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected.  At Bratton Insurance Inc., we have a variety of motorcycle policy options to meet your needs.

ATV Insurance

Yes.  All-Terrain Vehicles (ATV) are becoming increasingly popular. ATVs now come in a variety of models. Insurance companies have a different set of rules for providing coverage for ATVs, depending on the vehicle type.

ATV insurance is very similar to motorcycle insurance. All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4×4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.

Bratton Insurance Inc. can help you get the specialized coverage you need for your specialized vehicles.  We can help you protect your investment and let you get focus on having fun.

Boat & Marine Insurance

Yes.  Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company.  Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

Motor Home / RV Insurance

Yes.  As much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection.

It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.

Whether your Motor Home / RV Insurance needs are travel trailer, fifth wheel, camper, or Class A Motor Home, Bratton Insurance Inc. offers you a variety of motor home insurance coverages.

Commercial Auto Insurance

Yes.  A commercial auto insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.

Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies.  There is price competition between insurance companies for good commercial automobile insurance.