YOUR MONEY How To ChooseThe Right Insurance For Your Toys (NAPSA_—In today’s economy, everyone’s looking for ways to save. But cutting back on certain things now could mean heftier bills later. That certainly holds true for insurance on your motorcycle, boat or RV—anaccident could cost you hundreds, and you don’t want to be stuck with the bill. On the other hand, insurance for your toys can bepricey. So how do you find the balance and get the best coverage for your money? Progressive, the country’s largest motorcycle insurer and a leading insurer of boats and RVs, offers these tips for getting the mostvalue out of your toy’s policy: If you often go on long motorcycle trips away from home, consider a motorcycle policy that includes Trip Interruption. This coverage pays for your transporta- tion, food and lodging if you get stranded on a roadtrip. If your motorcycle is brand-new or less than two years old, consider adding Total Loss Replacement to yourpolicy. If your bike is stolen or totaled, this cov- erage will pay for a brand-new bike of the same make and model. If you’re insuring your RV through an endorsement on your auto policy, consider specialized RV insurance. Dedicated RV coverage will pay for many incidents that an auto policy won’t. For example, an auto policy will leave you out in the cold if your RV breaks down while you’re away from home, but Progressive’s specialized RV policy with Emergency Expense coverage will pay for lodging and transportation until your RV is fixed. And unlike an auto policy, stolen itemslike elec- Even in bad economic times,it’s wise to be sure to insure the boat, motorcycle or RV that helps you have goodtimes. tronics are covered if you have Replacement Cost Personal Effects coverage. If your boat is insured through an endorsement on your homeowners policy, consider a specialized boat policy. Progressive’s boat policy offers coverages beyond the scope of a standard homeowners policy, such as Roadside Assistance, which covers towing for your boat, trailer and your tow vehicle, even if your car or truck is insured with another insurance company. Adding specialized coverages like these to your policies can be less expensive than you think.For example, Progressive’s Trip Interruption coverage for motorcycles costs as little as $5 a year with Roadside Assistance—a small price to pay for peace of mind when you're on the road. Ask your local independent agent which policies are right for you and your toys. For more information about Progressive’s specialized coverages or to find an agent nearby, visit http://www.progressive agent.com.
