AN INDEPENDENT RISK MANAGEMENT COMPANY |
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Recreational Vehicle Insurance
(Motorcycle, Boat, RV, ATV)
Discover essential tips and information on insuring your motorcycle, boat, RV, and ATV. Our insights can help you save money while keeping you safe on all your adventures.
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Boat and Watercraft Insurance
Shopping for a new or used boat? Wondering about the cost of boat insurance? The answer depends on several factors, including the length, value, type, age, and speed of your boat. These factors can vary by state and insurance company, impacting your insurance rates.
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ATV Insurance
Insuring your brand-new, full-size ATV can be quite affordable, especially with low coverage limits and a good driving record. However, the cost of ATV insurance can vary significantly due to several factors that need to be considered.
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RV Camper Insurance
Are you an RV owner or thinking about purchasing one? You might be wondering: do I need RV insurance? Whether you have a loan, own a self-propelled motorhome, or tow your RV behind a truck or SUV, it's important to have the right coverage. Contact our professionals to ensure all your insurance needs are met.
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Motorcycle Insurance
The cost of motorcycle insurance can vary significantly based on several factors. Typically, younger drivers and those riding sports bikes may face higher premiums. However, every rider's situation is unique, and various elements will influence the specific cost of coverage for each individual.
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Insurance for Your Summer Toys |
Warm Weather, Fun Toys, and the Importance of Proper Insurance Coverage
One of my favorite days each year is the first day warm enough to break out shorts and sandals. This year, that day came a little earlier, but I’m not complaining!
As the weather warms up, many of us start using our favorite summertime toys – pools, boats, golf carts, ATVs, motorcycles, motor homes, and trampolines. And if we don’t own these toys, we’ll probably rent them.
But are the toys you own or rent properly covered under your personal insurance policies? In some cases, the answer is “yes,” but all too often, it’s “no.” Here’s how the Insurance Standard Office (ISO) homeowner and personal auto policies handle coverage for these toys. Keep in mind that these provisions can vary by insurance company, so always consult with your FRM Group Insurance agent to understand your specific coverage.
All-Terrain Vehicles (ATVs)
- Owned ATVs: The ISO homeowner and personal auto policies provide no liability or physical damage coverage. A Recreational Vehicle policy is necessary for adequate coverage.
- Rented/Borrowed ATVs: The ISO homeowner policy covers liability and up to $1,000 for damage if the ATV isn’t subject to registration.
Motorcycles
- Owned Motorcycles: You need a motorcycle policy, as they are specifically excluded from the ISO homeowner and auto policies.
- Rented/Borrowed Motorcycles: You'll need to buy insurance from the rental company or ensure your friend’s insurance covers you.
Motor Homes (RVs and Campers)
- Owned Motor Homes: Many insurers will add it to your personal auto policy.
- Rented/Borrowed Motor Homes: The ISO personal auto policy provides liability coverage but not physical damage. Purchase physical damage insurance from the rental company or ensure your friend has coverage.
Boats and Jet Skis
- Owned Boats: The ISO homeowner policy provides liability for smaller boats (outboard motors 25 horsepower or less) and $1,500 for damage. For comprehensive coverage, get a separate boat policy.
- Rented Watercraft: The ISO homeowner policy excludes any rented watercraft over 50 horsepower. Get insurance from the rental company.
- Borrowed Boats/Jet Skis: Liability coverage is provided under the ISO homeowner policy.
Pools, Trampolines, Etc.
- Owned Pools and Trampolines: Covered for liability under the ISO homeowner policy. However, due to their nature as “attractive nuisances,” an additional umbrella liability policy is advisable.
At FRM Group Insurance, we're all about having fun in the sun while ensuring you have the right coverage to protect against any risks. Remember, proper insurance can help ensure that your fun doesn’t come with unnecessary risks.
Stay safe and enjoy the season!
#SummerFun #InsuranceCoverage
#FRMGroupInsurance #StayProtected #SummerToys
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Stacy J. Ferguson
Account Manager,
Personal Lines
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Ronalyn D. Birnbaum
Managing Agent,
Commercial/Personal Lines
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Happy Father's Day from FRM Group Insurance!
On this special day, we want to take a moment to celebrate and honor all the incredible dads out there. Whether you're a dad, stepdad, grandfather, or father figure, your love, guidance, and support make a profound impact on our lives.
Thank you for all the sacrifices you make, the wisdom you share, and the endless love you provide. Today, we recognize and appreciate everything you do.
From all of us at FRM Group Insurance, we wish you a Father's Day filled with joy, laughter, and cherished moments with your loved ones. You deserve all the happiness in the world!

#HappyFathersDay #DadsRock #FRMGroupInsurance
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Take your agent with you!
FRM Group Insurance and Financial Services is licensed in Pennsylvania,
Alabama, California, Delaware, Florida, Georgia, Indiana, Kansas, Maryland,
New Jersey, New York, North Carolina, Ohio, South Carolina, Texas
#poconoinsurance #FraileyCoversYourHome #FraileyHablamosEspanol #carboncountyinsurance #lehightoninsurance #jimthorpeinsurance
#weprotectwhatmattersmost #thinkfraileyfirst #takeyouragentwithyou
#askmeaboutmyicon
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FRM Group Insurance and Financial Services
1286 N Ninth Street, Stroudsburg , PA 18360
445 Coal St, Lehighton, PA 18235
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