Insurance Coverage for Every Stage of Your Life
At BlueSky Insurance Agency our team really gets to know you. It’s the only way to provide you with the personal insurance protection you need. For instance, we not only want to know the type of vehicles you own, but also who’s driving them so you can be sure you’re properly covered. Perhaps you are a car enthusiast that requires specialized coverage. Or, you may own a boat or RV that increases your liability risk, requiring extra protection that comes with an umbrella policy. Maybe you’re planning a wedding or a bar mitzvah at your home and want to make sure if something goes wrong you’re covered.
BlueSky is here to ensure that you have the protection and peace of mind you need so that you can continue to focus on pursuing your dreams and passion.
It’s Personal at BlueSky
We offer a portfolio of personal insurance coverages tailored to you and your family. With each of our products, we will discuss how much coverage you need to protect your assets in the event of an accident or other type of loss as well as how much is needed to safeguard your property should it gets damaged in an accident, fire or other type of loss. Some of the coverages we provide include, but are not limited to:
Automobile
Our relationships with top insurers in the country allow us to provide you with affordable, comprehensive car insurance tailored to your needs. We offer Bodily Injury Liability, Property Damage Liability, Medical Payments, Uninsured/Underinsured Motorists Liability, Comprehensive, Collision, Towing & Rental Car insurance.
Boat & Watercraft
Warm weather means getting out on the water. Whether you have a speedboat, sailboat, personal watercraft, luxury yacht, catamaran, pontoon, or jetski, we’ll make sure you enjoy your time on the water without having to worry about what could go wrong. We can cover the hull, sails, built-in equipment and furnishings, salvage expenses, towing, collision damage to your boat from an accident you cause, fishing or other special equipment aboard, roadside assistance even for your tow vehicle, and more. We’ll also cover damage done to someone else’s property or boat-related injuries you cause, and bodily injury to your boat’s occupants and others who might be injured by you outside your boat.
Classic Cars
Classic, collectible or antique cars require a special type of insurance including insuring these vehicle for their value. This value can be specified in a policy and cover the vehicle up to that value without depreciation. A policy can also be tailored to provide the flexibility to pay for specialized repair or restoration in the event of a covered loss. Coverage for towing should reflect the demands of transporting a classic car. Spare parts coverage also needs to be aligned with the cost of replacing valuable and perhaps hard-to-find vehicle components, such as wheels, transmissions, and engine parts. At BlueSky, we work with several carriers that specialize in providing coverage for classic and collectible cars.
Modified Rides
Have you modified the car you purchased? Added chrome rims or bumpers, paid for a special paint job, or added huge tires? If you’ve modified your car, you need Comprehensive and Collision coverage to address these modifications in the event there is damage to the vehicle or it’s stolen. BlueSky can help you obtain the coverage you need either with an endorsement to your Auto policy or coverage with specialized insurers.
Motorcycle & ATV
Whether you’re a weekend warrior, a casual rider, or a hardcore motorcyclist, you cannot predict if and when an accident will occur. Every rider knows the thrill of the open road can come at a serious cost, so having the right motorcycle insurance is essential. We offer coverage for a full spectrum of motorcycles, from street cycles, Harleys, cruisers and touring bikes, segways to dirt bikes and ATVs. Depending on your specific need, policy options include: Accessory coverage, Transport Trailer coverage, Roadside Assistance, Comprehensive and Collision coverage, Bodily Injury/Property Damage Liability, Uninsured/Underinsured Motorist coverage, Medical Payments, Trip Interruption, Total Loss coverage, Rental Vehicle coverage, and On-road coverage for off-road vehicles.
Recreational Vehicles
Be sure you’re covered on the open road wherever your RV goes – whether you’re climbing a winding road in the Blue Ridge Mountains, visiting the Grand Canyon, or taking a trip to Washington D.C., property coverage under an RV policy will protect your contents, emergency expenses you encounter while traveling, your hitch package, awnings, and more against fire, theft, collision, vandalism, among others. You can also opt for a replacement RV if yours is involved in a total loss. The liability portion of the policy will cover legal defense costs and monetary settlements or awards if you’re found to be responsible for injuries to someone or damage to their property.
Teen Driver
Your little boy or girl is all grown up and ready to get behind the wheel! The BlueSky team is ready to provide you with automobile coverage for your teenage driver. Some of the carriers with which we work offer discounts for drivers with good grades. You can opt to add your teenager on your policy or purchase a separate policy on his/her car.
Umbrella Insurance
Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. Once the liability limits on your home, auto, boat or other primary liability policy are exhausted, an umbrella policy takes over and provides a second layer of protection. Limits of $ 1 million and more are available and the amount you purchase depends on the assets you have at risk. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on a primary insurance coverage, you will still be protected.
Wedding & Special Events
It’s a special day whether it’s your daughter’s wedding, your son’s bar mitzvah or your 50th anniversary. One wrong mishap – the wedding dress gets lost in delivery, the caterer is a no-show or weather forces you to cancel an outdoor event – can not only ruin an event, but also cost a pretty penny. We can provide you with comprehensive wedding and special event insurance that matches your specific needs and protects against unnecessary expenses in the event of a loss or your celebration was cancelled or postponed.
WE’RE READY WHEN YOU ARE.
