Safeguard Your Personal Investments & Finances

with Our Home & Recreational Vehicle Coverage

Ensure the protection of your home, automobile, and personal possessions with recreational vehicle coverage and homeowner policies from MAS Auto Insurance in Basking Ridge, New Jersey. How we serve you is as important as what we provide. First, we listen to you, discussing your needs and answering your questions. Next, we look at both your short-term and long-term objectives to help put your insurance and planning needs in perspective. Contact us today to speak with our agents about our recreational vehicle coverage options and low auto rates.

Our Policies Include:

    • Personal Watercrafts
    • Snow Mobiles
    • Motorcycles
    • Motor Homes & RVs
    • Personal Umbrella
    • Renters Insurance
    • Personal Contractors

• Condo Coverage
• Rental Reimbursement
(Up to $900/Month)
• Towing Services & Roadside Assistance
—Covers Labor & Cost
• Personal Business Vehicles

Roadway Insurance
Your recreational vehicle coverage has 2 parts. The first is the liability section of the policy. This covers your financial responsibility for injuring others, which is required by most states. The second part covers the car itself: comprehensive coverage provides reimbursement for losses from fire, theft, or other perils; collision coverage pays to repair losses caused by an accident. Often, this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental, and other coverage options, which vary by state.

Having high deductibles on physical damage coverage plans can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Homeowner Peace of Mind
If you have tangible assets, you need the protection of a homeowners policy. These policies cover your home or apartment, whether you are an owner or a renter. A well-written homeowners policy pays to replace any of your personal property that is destroyed in a fire or other disaster. The policy is also your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way—unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader, and the burden of proof is on the carrier not you in the event of a loss. We offer personal coverage for your home, including condominiums, rentals, and renter insurance, as well as 24/7 claim services.

Fight the Flood
Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be separately obtained. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture, and remove debris. FEMA's maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone or if you no longer have a mortgage, flood insurance is optional.

Call us today at (888) 806-0225 in Basking Ridge,
New Jersey, for your home or recreational vehicle coverage.