Auto Insurance

Auto Coverage

Northeast Underwriters Auto Insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto Insurance provides property, liability, and medical coverage:

• Property coverage pays for damage to, or theft of, your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation, and sometimes lost wages and funeral expenses.

The State of Florida requires all drivers to have at least $10,000 coverage in both Property Damage Liability and Personal Injury Protection. If you have previously been involved in a major crash or have been convicted of a certain offense, you may also be required to carry Bodily Injury coverage. Also, if you are financing a car, your lender may have specific requirements on the types of auto insurance coverage you purchase.

Comprehensive Coverage

Comprehensive coverage helps pay to repair or replace your vehicle if it’s damaged from an incident like hitting an animal, fire or flooding, glass damage and hail. It’s often required if you’re leasing or financing your car.

Example: A tree branch falls on your parked car and causes $3,000 in damage. After you pay your $1,000 deductible, your policy typically covers the remaining $2,000.

Comprehensive Insurance typically covers damage such as that incurred by falling objects, weather events such as hail and hurricanes, theft and vandalism, fire and explosions, flood, or hitting a deer or other animal.

Comprehensive does not cover general wear and tear, theft of belongings inside your car, collisions with stationary objects and other vehicles, or hitting a pothole.

Collision Coverage

Collision coverage helps pay for damages to your vehicle from an incident related to driving, such as collisions with stationary objects and collisions with other vehicles. It doesn’t matter who caused the accident. Whether you rear-end someone, back into a pole, or someone without enough insurance hits your car, your collision coverage may help pay for the damages (minus your deductible). Collision coverage is often required if you’re leasing or financing your car.

Here’s an example: You hit a pole backing out of a tight space in a parking garage. The damage to your car costs $1,500 to repair. After you pay your $500 deductible, your policy typically covers the remaining $1,000.

These are the types of things typically covered by your Collision policy:

• Hitting a pole, fence, tree, or other object
• Hitting a pothole
• Rollovers
• Collisions with other vehicles

Your Collison policy will not cover weather events such as hail and tornadoes, medical bills, damage to another person’s vehicle, or theft, vandalism, and other incidents unrelated to driving.

How deductibles work

A business auto policy is like a personal auto policy in that it covers property damage, legal bills, and medical expenses. A business auto policy typically has higher limits of coverage and can include coverage for hired, non-owned, borrowed or rented vehicles.

Business Auto Coverages

• Auto Liability – Protects the business by paying for bodily injury, or property damage you become liable for because of a covered automobile accident.
• Medical Payments – Pays medical expenses, up to your coverage limit, for you, your employees and your passengers arising from a motor vehicle accident, regardless of who is at fault.
• Comprehensive – Pays for damage to your vehicle from something other than another vehicle like vandalism, theft, weather events and accidents involving animals.
• Collison – Pays for damage to your vehicle from another vehicle whether you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over, regardless of who is at fault.
• Uninsured and Underinsured Motorist – Pays for medical expenses, loss of income and other damages owed to you, your employees (expenses not covered by workers’ compensation) or your passengers when an accident is caused by an uninsured or underinsured motorist.
• Hired Auto – Provides liability coverage for rented, hired, or borrow vehicles the company does not own.
• Non-Owned Auto – Provides liability coverage for autos the business does not own, lease, or hire.
• Drive Other Car – (DOC) Provides non-owned auto coverage like a personal auto policy when an officer or executive does not carry a personal auto policy.

Uninsured and Underinsured Coverage

This coverage may pay for injuries to you and your passengers, as well as property damage, from an accident caused by a driver with little or no insurance. In most states it could also help if you’re in an accident with a hit-and-run driver.

Example: You’re hit by another driver on the way to work, but the other driver is uninsured. If the cost to repair your vehicle is $15,000 and you have a coverage limit of $25,000, you’re usually covered after you pay your deductible.

Losses that are covered by your Uninsured/Underinsured policy include damage and injuries caused by a hit-and-run driver, damage and injuries caused by a driver with no liability insurance, and damage and injuries caused by a driver without enough insurance. Your Uninsured/Underinsured policy will not cover damage and injuries you’re legally responsible for or damage caused by vandalism and theft.

Rental Reimbursement

This feature pays for a rental car (up to the class you choose) while your vehicle is being repaired due to a covered insurance claim.

Roadside Assistance

If you’re stranded, this helps to get you back on the road or tow your vehicle. It also includes services to unlock your vehicle, deliver gas or change a tire

Ways you can save on Auto Insurance premium

Full coverage could help save you thousands after a covered accident, but it can be more expensive because you’re paying for extra protection. Here are a few ways you can lower your premium.

• Raise your deductible. The more you agree to pay out of pocket for covered damages, the lower your premium will be.
• The vehicle you choose to drive affects the cost of your coverage. If you are shopping for a new vehicle, consider a one that is less costly to repair.
• Anti-theft devices are recognized for their theft risk reduction.  If you also have comprehensive coverage, having an anti-theft device installed in your car may help lower your car insurance premium.

Motorhome or Travel Trailers Insurance

Northeast Underwriters can offer you an RV Insurance to protect your motorhome or travel trailer

Whether you use your recreational vehicle for fun or as a full-time residence—the best RV insurance coverage protects your unique needs. We can quote your RV insurance, in as little as five minutes, we’ll help you build a custom policy that covers your motorhome or travel trailer in almost any situation. Get started now and hit the road with confidence.

Choose the travel trailer and motorhome insurance that best fits your ride

From state-of-the-art Class A motorhomes to pop-up campers, NEU insures all types of recreational vehicles—even travel and utility trailers. These are the types of RVs we typically insure:

• Class A Motorhomes
• The largest type of motorhome, ranging from 21-40 feet in length
• Class B Motorhomes
• The smallest type of motorhome, commonly known as “camper vans”
• Class C Motorhomes
• Mid-sized RVs ranging from 20-33 feet in length
• Cargo & Horse Trailers
• Large, enclosed trailers used for transporting horses, vehicles, and other cargo

Standard RV coverages

Comprehensive and collision

Comprehensive covers your RV for events beyond your control: theft, vandalism, fire, glass breakage, weather-related incidents, and collisions with animals. Collision will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault. A deductible applies for both comprehensive and collision. 

Example: Your travel trailer is damaged by hail while parked at a campsite. Comprehensive pays for the repairs, minus your deductible.

Liability

Pays for damages and/or injuries you cause. Liability coverage is required by law if you drive your motorhome. However, when insuring a travel trailer, you won’t have the option to select liability coverage because your trailer is pulled by a motor vehicle. Just make sure you have liability coverage on the vehicle that tows your travel trailer.

Example: You cause an accident while driving your motorhome, damaging another vehicle, and injuring the driver. RV liability insurance pays for the driver’s medical bills and vehicle repairs, up to your policy’s limits.

Uninsured/Underinsured Motorist (UM/UIM)

If you’re hit by a motorist with no insurance or not enough insurance, UM/UIM can pay for your injuries, damages to your RV, and lost wages if you can’t work.

Example: You’re rear-ended by a driver with no insurance. Your motorhome is damaged and one of your passengers is injured. UM/UIM covers, up to your policy’s limits, the repairs to your RV and your passenger’s medical bills.

Medical payments

Covers medical bills for you and your passengers if you’re in an accident with your motorhome, regardless of fault. Note that medical payments don’t apply to travel trailer policies.

Example: Your spouse is injured in a fender bender while traveling in your motorhome. Medical payments will pay for your spouse’s hospital bills, even if the accident was your fault.

Extra RV coverages

Roadside assistance

If your motorhome or travel trailer is disabled within 100 feet of a road or highway, your Roadside Assistance pays to tow you to the nearest repair facility. It also covers fuel delivery, mechanical breakdowns, flat tires, and dead battery replacement.

Total Loss Replacement

If your motorhome or travel trailer is totaled in an accident, TLR pays for a brand new one. That means if you paid $55,000 for your RV last year and it’s only worth $45,000 today, you’ll be able to get a new RV of the same model year or later and the same trim level or better—even if it costs more than what you originally paid. If you decide not to replace the vehicle, TLR will reimburse you for the original purchase price. Keep in mind, if your RV is more than five years old, Northeast Underwriters will cover the amount specified on your policy. A deductible applies in either scenario.

Replacement cost/personal effects

Get coverage up to a specified amount for personal items inside your RV such as your smartphone, computer, or camera equipment.

Vacation liability

If someone is hurt in or around your RV while you’re on vacation, you’ll have liability coverage up to $10,000. For a minimal cost increase, you can upgrade to $500,000 in coverage.

Full timer’s liability

You’re covered up to a specified limit if you’re liable for injuries in and around your RV. Full timer’s liability is meant for those who use their RV as a permanent residence.

Loss assessment

NEU provides policies that will cover any fees or charges from your RV association, up to $5,000. For instance, your RV association may mandate that members help pay for damages to shared areas caused by a storm.

Emergency expense coverage

Get up to $750 for transportation and hotel costs if you’re on vacation and your RV is disabled in a covered incident more than 50 miles away from your home. For an extra cost, you can upgrade to $2,000 in coverage.

Pet injury coverage

If your dog or cat is injured in an accident while riding in your RV, NEU pays up to $1,000 to cover their vet bills. No deductible applies.

Roof Protection

Roof Protection coverage can pay to repair or replace the damaged roof of your motorhome or non-stationary travel trailer. Wear and tear to the roof of your RV is also included, as well as damage to your vehicle caused by the roof’s malfunction. This coverage can be purchased for motor homes and travel trailers less than six years old. A $250 deductible applies.

Pest damage protection

If your motorhome or non-stationary travel trailer is damaged by a non-domesticated animal, such as a bird, rodent, or mouse, pest damage protection can pay for the repairs. Your RV must be less than six years old to be eligible for coverage and a $250 deductible applies.

Got questions about travel trailer vs. motorhome insurance coverage? Call NEU and speak with one of our licensed representatives.

Boat Insurance

Save up to 33% with NEU!  

Florida does not require boaters to carry insurance on their watercraft before taking it out on the water, but it is a wise decision to carry it if there is an accident, or something happens to your boat.  Boat and watercraft insurance is a relatively affordable, small addition to your other monthly coverages.  With insurance, you can be rest assured that your watercraft is protected from bow to stern.

Common Types of Boats and Personal Watercraft we insure

• Powerboats – Powerboats are the most common type of insured boat and are typically used for fishing, cruising, pleasure activities, water sports, etc.
• Sailboats – A boat that uses at least one sail for power but may also have a motor as an additional or back up power source.  Having a motor on your sailboat may increase your premium.

• Houseboats – These are usually much larger boats that are designed for slower movement and have full kitchens, bathrooms, bedrooms, and other common areas.  Houseboats used as a primary residence cannot be insured on a boat policy, but rather are insured with a Homeowners’ or Renters insurance policy.

• Bass and fishing boats – These boats are specifically insured to include coverage for their modifications or special features designed for fishing, such as trolling motors, power poles, fish finders, etc.

• Pontoon boats – These boats are built on hollow metal cylinders with flat surfaces to walk or sit on and are typically designed for slow movement on inland lakes and rivers.

• Personal watercraft – Personal Watercraft (PWC) include jet skis, sea doos, wave runners or similar vessels that are built for carrying one to three people.

Types of Boat or Watercraft Insurance Coverage

• Bodily Injury and Property Damage Liability – This coverage pays for damages to other’s property you cause while on your boat or watercraft.  This includes damage to things other than their watercraft, and injuries to the other boater and their passengers.  This will also pay for legal expenses if you are sued.

• Comprehensive & Collision – This coverage pays for the repairs if your boat is damaged in an accident, storm, fire, or other covered event, minus your selected deductible.  This coverage also protects against theft. Some carriers also include pet coverage, so if your four-legged friend is on board, they will be protected against injuries too.

• Uninsured/Underinsured Boater Insurance – This coverage works the same for boats and watercraft as it does for vehicles.  If you are in an accident with another boat or watercraft and they do not have any insurance (or not enough coverage), this coverage will help pay for your repairs.

• Medical Payments – This will help pay for the medical costs incurred by you or your passengers from injuries sustained in an accident while on your boat or watercraft.

Add-On Coverages for More Boat Protection

• Total Loss Replacement – This coverage is designed for newly purchased boats under a year old.  If it is totaled within 5 model years, you will either be paid the original value of your boat or enough to purchase a new, similar model.  If you are outside the 5-model year window, you can still receive the original purchase price of your boat, not the depreciated value.

• Water Towing – This includes coverage for on-water towing, jump starts, soft un-groundings, and fuel delivery if your boat becomes disabled on the water.

• Full Coverage for Fishing Equipment and Carry-On Items – This covers up to $10,000 for the full replacement value of fishing equipment and up to $5,000 coverage for the full replacement value of personal items brought on board, such as your cell phone, scuba gear, coolers, or other belongings that are lost or stolen.

• Mechanical Breakdown Coverage – This coverage is to repair or replace the lower unit of an outboard motor, or the upper and lower units of an inboard/outboard motor if you have any type of mechanical breakdown, including from general wear and tear.

• Trailer Trip Interruption – With this coverage, your day won’t be ruined.  Should your trailer or towing vehicle break down, and you are more than 100 miles from home, you will be reimbursed up to $500  for your hotel stay, meals, and other transportation costs.

• Small Accident Forgiveness – Your premium won’t increase after a claim of $500 or less.

• Large Accident Forgiveness – Your premium won’t increase after a claim of $501 or more.  Additional conditions may need to be met, depending on the carrier, in order to qualify for coverage.

• Fuel Spill – This coverage option will pay the cost of cleaning up a fuel spill caused by your boat or watercraft.

• Wreckage Removal – Accidents can happen, and if your boat sinks, the cost of removing your boat from the water (if removal is legally required) is covered under this insurance add-on.

• Roadside Assistance – If your trailer or towing vehicle becomes disabled, getting towed to the nearest repair shop is covered.

• Water Sports Coverage – This provides coverage for injuries or damages to property for which the boat owner is liable while tubing, knee boarding, wake boarding, wake surfing, or other similar activities.  Excluded activities include parasailing, kite boarding, or other activities in which someone is pulled through the air.