Auxiliary & Recreational Insurance

BOAT • GOLF CART • MOTORCYCLE INSURANCE

Love Your Toys? Let’s Make Sure They’re Properly Covered.

Boats, golf carts, motorcycles, and other “fun” vehicles add joy to life — especially in the Lowcountry.

But here’s the truth…

Homeowners insurance and auto insurance do NOT fully cover these vehicles.

And if someone gets hurt or property gets damaged, you could be personally sued.

At Rhonda P. Myers Insurance Agency, we protect your toys — and your financial future — with the right coverage for the way you actually use them.

Why You Need Separate Insurance

Because accidents happen — and standard policies don’t protect you.

Without proper coverage, you’re exposed to:

  • Lawsuits

  • Medical bills

  • Property damage costs

  • Denied claims

  • Losing your assets or savings

We make sure your toys don’t turn into liabilities.

BOAT INSURANCE

Most marinas REQUIRE proof of boat insurance — for good reason.

Boat ownership comes with real risks:

  • Collisions on the water

  • Injuries to passengers or swimmers

  • Damage to docks, marinas, other boats

  • Storm/hurricane damage (huge in Charleston)

  • Fuel spill liability (federally enforced)

  • Theft or vandalism

  • Towing or salvage (extremely expensive without coverage!)

Boat insurance covers:

  • Damage to your boat

  • Liability if you injure someone or damage property

  • Medical payments

  • On-water towing

  • Wreckage removal & fuel spill cleanup

  • Optional: hurricane haul-out, fishing equipment, accessories

If you store or dock at a marina, they WILL demand proof of insurance. We make sure you’re covered.

GOLF CART & LOW SPEED VEHICLE (LSV) INSURANCE

Golf carts are everywhere in Charleston — neighborhoods, communities, downtown, beaches, events. But what most people don’t know:

If your golf cart has:

  • Lights

  • Mirrors

  • Seatbelts

  • Turn signals

  • VIN number

  • Driven on public roads

  • It’s legally a Low Speed Vehicle (LSV)

  • It must be registered and tagged

  • It must have a commercial or personal AUTO insurance policy

YES — it must be insured like a CAR.

If your golf cart is ONLY used on a golf course or private property:

You STILL need Auxiliary Vehicle Liability Insurance, because:

  • People fall off golf carts

  • Kids drive them

  • Guests get injured

  • You can get sued

Home insurance offers VERY limited coverage (if any). One serious injury could cost you everything without proper liability protection

MOTORCYCLE INSURANCE

Auto insurance does NOT cover motorcycles.

Motorcycles need their own policy because the risks are different.

Motorcycle insurance protects:

  • Liability if you injure someone or damage property

  • Collision (damage to your bike)

  • Comprehensive (theft, fire, storm, vandalism)

  • Uninsured/underinsured drivers (critical in SC)

  • Medical payments

  • Guest passenger coverage

  • Custom parts & accessories

  • Roadside & towing

If you ride, protect yourself, your bike, and your freedom.

Home insurance offers VERY limited coverage (if any). One serious injury could cost you everything without proper liability protection

Local Expertise Matters

Charleston-area recreation comes with unique risks:

Hurricanes & flooding

  • Busy waterways

  • Golf cart-friendly neighborhoods

  • HOA & marina rules

  • Tourists & traffic

  • State laws for LSVs

Most agents don’t understand these details. Rhonda does — because she lives here and insures these vehicles every day.

Why Work with Rhonda?

With our agency, you get:

  • Correct policy type (not the wrong coverage)

  • Compliance with SC road & marina requirements

  • Proper liability limits (to protect your assets)

  • Help registering Low Speed Vehicles

  • Fast claims support & advocacy

  • Annual reviews as your toys or needs change

  • One trusted agent for ALL your insurance

We don’t just insure stuff — we protect your lifestyle.

Other Vehicles We Can Insure:

  • ATVs / UTVs

  • Jet Skis / WaveRunners

  • RVs / Campers / Travel Trailers

  • Dirt Bikes

  • Scooters / Mopeds Snowmobiles (if traveling out of state)

  • Trailers (boat, cargo, utility)

If it moves, rolls, floats, or rides — we can protect it.

LIABILITY IS THE BIGGEST RISK (Not Damage!)

If your recreational vehicle causes injury or damage, YOU can be sued.

A lawsuit can cost hundreds of thousands — even millions.

Without coverage, you could lose:

  • Savings

  • Home equity

  • Future income

  • Retirement assets

Proper liability insurance protects your financial future.

Optional Coverages That Matter in Real Life

We can customize your policy with:

  • Roadside or on-water towing

  • Medical payments coverage

  • Uninsured/underinsured motorist

  • Accessory and equipment coverage (motors, GPS, custom parts, radios, fishing gear)

  • Hurricane haul-out (for boats)

  • Fuel spill liability

  • Wreckage removal

  • Total loss replacement

Bundle & Save

Bundle your:

  • Boat

  • Golf Cart / LSV

  • Motorcycle

  • Auto

  • Home

  • Umbrella policy

Save money + eliminate dangerous coverage gaps.

One agency. One plan. Total protection.

Real Story

★ ★ ★ ★ ★

“The marina required boat insurance. I’m so glad they did — a storm caused damage and Rhonda helped us file the claim and get everything repaired. She even added on hurricane haul-out, which saved us thousands.”

Enjoy Your Toys with Peace of Mind

Whether it's your boat, golf cart, motorcycle, or weekend fun vehicle — we’ll make sure you’re protected the RIGHT way.

Have fun. Stay protected. Let us handle the coverage.

© 2025
Rhonda P Myers: Allstate Insurance. All rights reserved