Types of Insurance

Pleasure Island Insurance is truly your one-stop insurance agency, covering everything from your loved ones health and life, to your home, car or watercraft, even your business. We provide all types of insurance for all of your individual needs.

A sickness or death in your family is always an emotional hardship. Unfortunately, this is often a time of serious financial hardship as well.

At Pleasure Island Insurance, we understand the importance of protecting you and your family, and we will work with you to develop a custom-tailored insurance program to provide the protection you need.

We can assist you in determining the best choice of plan design, networks, and deductibles for your individual or group medical insurance. We can also help you with your life insurance needs, whether the purpose is income protection, estate planning, or business perpetuation.

To discuss your options please contact us.

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The first insurance policy most people buy is auto insurance for liability coverage because it is required in most states by law.

A good insurance agent will help you get the insurance you need at a price you can afford. This is what we do.

Many people also get collision insurance to help protect their first major investment. Really smart people increase the liability coverage and get riders for uninsured motorists, under insured motorist, medical coverage and more.

All this insurance may seem unimportant until you are involved in a collision.

Why not call or visit our office and let us help you decide what insurance coverage best suits your needs?

Auto Insurance Details

Liability insurance covers costs you may not be able to cover in damage you do to other people's vehicles, property, livestock, or anything else you might damage that is the property another person. This includes bodily damage to other individuals and even death.

Because you don't plan or want to do damage to others. State laws mandate that you carry a minimum insurance coverage.

lf you have a heavy vehicle or a good income it might be necessary for you to carry more than the minimum insurance. This greatly helps to protect your future earnings from law suits that go beyond minimum liability coverage.

Collision insurance covers most of the cost of repairing or replacing your vehicle in the event it becomes badly damaged in an accident. This insurance usually contains insurance for fire and theft.

Most lending agencies require you carry collision insurance to protect them from the loss of your vehicle on which they have a lien.

The amount of coverage is generally dictated by the value of the vehicle but you can change the deductible amount do save money if you can make up the difference in the future should an accident occur.

Riders can cover you for uninsured motorists that hit you other drivers without enough insurance, and accidents that happen out of state where their laws do not provide you with good coverage.

You can also get separate glass coverage for broken windshields or headlamps, towing coverage, car rental insurance (for when your car is being repaired) and medical coverage for passengers in your vehicle.

To discuss your options please contact us.

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The protection you need without getting soaked.

More fun - less worry

The best way to enjoy your personal watercraft more and worry less is to have the right insurance. Pleasure Island Insurance Personal Watercraft insurance was designed to provide protection and flexible coverage to meet your needs. Ride with confidence knowing you are covered by the best watercraft insurance available.

We have insurance for all watercraft classes and include specific features to address the seasonal and recreational aspects of personal watercraft. With personal watercraft insurance from Pleasure Island Insurance the only thing left to worry about is too much sun.

Tailor the coverage to fit your needs and budget.

Finding the right coverage for your personal watercraft means having the ability to select options to fit your particular needs. Pleasure Island Insurance personal watercraft insurance provides essential coverage while allowing you the flexibility to add optional protection.

Liability:
Covers property damage and bodily injury you cause to others in an accident. In many states it may cover your legal responsibility to your passengers. Your agent can tell you more.

Watercraft and Equipment:
Pays for accidental losses to your personal watercraft from collision and other perils such as sinking, fire, vandalism, and theft.

Accessories:
Since watercraft and equipment insurance covers only the stock watercraft itself many owners add ''accessory coverage'' to protect custom equipment.

To discuss your options please contact us.

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At Pleasure Island Insurance, we understand how important protecting your family is and that no two families' insurance needs are exactly alike. That's why we work with you to develop a custom tailored insurance program designed specifically to protect your family's home.

To discuss your options please contact us.

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We know how important your business is...and how vital it is that it's protected from liability, and loss of property. We also know that today's businesses most often must provide for the needs of its employees with worker's compensation and other employee benefits. There are three basic approaches to handling the risks that naturally come along with your business.

1. You can assume the risks yourself.
2. You can transfer the risks through insurance.
3. You can minimize the risks through loss control program.

To discuss your options please contact us.

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Travel Guard International is America's leading travel insurance provider insuring more than 6 million travelers each year. We offer protection against trip cancellation penalties, travel interruptions and delays, emergency medical expenses, lost baggage and more. Plus, every Travel Guard policy includes our 24-hour "911" travel emergency service for emergency medical assistance, last-minute or emergency travel changes, lost luggage tracking, pre-trip travel advice and more.

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To discuss your options please contact us.

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