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IroncladMutual

Eight lines, one policy family

Every line we write, with the coverage summary, the figures that matter and an illustrative premium so you can see the shape of it before you talk to anyone.

Lines written
8
States licensed
14
Bundle credit
8% to 22%
Underwriting since
1948

All coverage lines

Boat, RV and motorcycle

A homeowners policy caps watercraft coverage at a figure that will not replace a trailer, let alone a hull. Boats, recreational vehicles and motorcycles each need their own physical damage basis and their own liability limit, then the umbrella can sit above all of them.

WatercraftAgreed value hull
Agreed value means the figure on the declarations page is the figure we pay on a total loss, with no depreciation argument. Lay-up credit applies from November to April on Great Lakes navigation.
Recreational vehiclesFull timer option
Liability, physical damage, contents and vacation liability. The full timer endorsement adds the personal liability a homeowners policy would normally carry.
MotorcycleAccessory schedule
Custom parts and equipment are scheduled separately, because the base physical damage limit is written against a stock machine and yours probably is not one.

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Not sure which lines you actually need?

Tell us what you own and who depends on you. An agent maps it to the forms, shows you where the gaps are, and prices the whole thing once.