Additional Insurance

    Specialty Cars

    The perfect car...The specialty car you've dreamed of for so many years. And now at last, here's the perfect way to insure your dream car. Classic car coverage from Sound Insurance. An insurance product in a class by itself, designed by car buffs for car buffs. Protect your fun and hard work with "stated value coverage" from Sound Insurance.

    We understand how much fun it is to drive your specialty car. With Classic car coverage you can drive up to 7500 miles annually. And our stated value replacement cost coverage protects your unique investment. If your car is appreciating in value, Classic car coverage can grow with your investment.

    So relax. You're covered with Classic car insurance. A brilliant way to insure your specialty car. 

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    Motorcycles

    Ride Easy, Ride Protected, Under the Eagles Wing...

    If you're among the thousands of responsible adults who now tour America's highways and byways on two wheels instead of four, you need the protection afforded by Sound's Motorcycle Insurance Program. With the help of motorcycle enthusiasts, Sound Insurance has designed a complete program which addresses all of today's motorcycle rider's insurance needs: liability, medical payments, comprehensive and collision, even uninsured motorist protection.

    The Coverage You Want. The Protection You Need.

    The Motorcycle program covers the risk of owning and riding a motorcycle today:

    • Under this program, the driver, the passenger, AND the motorcycle are all covered.
    • Your policy includes up to $3,000 coverage for motorcycle accessories, and can be increased in increments up to $20,000.
    • If your motorcycle is stolen, the policy pays up to $25 per day for transportation costs.
    • Safety helmets are covered up to $500, and safety apparel up to $1000.
    • Stated value coverage is offered for 1970 and older cycles, with limited annual mileage. Total losses will be paid based on insured value.
    • GAP Coverage provides protection against a financial gap (difference between loan balance and actual cash value) when a vehicle is wrecked or stolen resulting in a total loss. Limit of liability for GAP coverage shall not exceed $10,000.
    • Safe Cycle discounts for successfully completing a Motorcycle Safety Foundation course.

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    Boats

    Let us be your lifestyle preserver.

    You're covered from bow to stern with Sound Insurance. Sound Insurance offers a comprehensive watercraft policy that shelters your boat while offering you and your family valuable protection. Our flexible policy allows you to choose the amount of coverage that's right for you while offering money saving discounts and convenient payment options.

    Your peace of mind is our goal with Sound's Boatowners Insurance. We offer protection for your boat, motor, boat trailer, plus any added equipment and accessories. Our comprehensive plan covers:

    • Loss or damage to watercraft
    • Replacement cost on the motor
    • Liability for bodily injury or property damage
    • Personal property protection
    • Emergency service coverage
    • Wreck removal
    • Medical expenses including guests
    • Coastal water coverage (75 miles from coastline)

    Safety Course Discount - If you have completed a recognized water safety course, you can take an additional 10% off your premiums.

    We help you through the rough waters of a possible loss by offering a variety of extended coverage options on accessories, liability, and towing. You choose the amount of protection you need for you and your family. Call a Sound Insurance representative today and see how our flexible policy can be your lifestyle preserver.

    Sound's Boatowners Program offers coverage for most types of watercraft including:

    • Personal watercraft (PWC)
    • Runabouts
    • Pontoons and houseboats
    • Sailboats
    • Bass and fishing boats
    • Canoes and rowboats
    • Performance boats
    • Cabin cruisers

Note: Some eligibility requirements may apply and not all coverages are available in all states. This web page contains only a general description of the coverages and is not a statement of contract. All coverages are subject to the exclusions and conditions in the policy itself.

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    Umbrella

    Valuable additional liability protection that safeguards you in the event of large and unexpected losses.

    Everyday you hear about high dollar judgments that have been awarded to injured parties. Accidents are bound to happen and today's litigious society paves the way for many additional high dollar lawsuits. A legal judgment against you, that is more than your primary insurance limits, could leave you in a financial bind for the rest of your life.

    Take for instance:
    You are late for work and run a red light. As a result, your car hits a school bus and several young passengers are injured. One of the passengers is a 13-year old who suffers severe brain damage. The family of the 13-year old sues you and receives a judgment for $750,000. Your primary automobile insurance coverage limit is $300,000. Who pays the remaining $450,000? You do!

    This type of judgment could involve attachments to assets like your:

    • Home
    • Paycheck
    • Savings account
    • Stocks
    • Bonds
    • Mutual funds
    • Car
    • Boat
    • Many more

    Is this worth the risk?

    Sound's personal umbrella policy provides up to $5 million additional in financial protection for your family over your primary limits and includes:

    • Bodily injury
    • Property damage
    • Libel
    • Slander
    • Wrongful eviction
    • Defamation of character

    Requirements may vary by state.
    This is only an outline of the coverages provided and may not be available in all states. Refer to the policy for specific wording and any applicable exclusions.

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    Special Discounts

    Good Student Discount:
    Sound rewards students who achieve a "B" average or who are on a Dean's List or Honor Roll.

    Ticket Free Discount:
    Not having been convicted of any moving violations in the prior 36 months is rewarded by a 15% discount on specified coverages.

    Comprehensive Claim Free Discount:
    Not having a comprehensive coverage claim in the prior 3-5 years is rewarded by a 15% discount or 6 or more years is worth a 30% discount.

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    Commercial/Small Business

    The dream of many people is to have a business that they can call their own. Why risk it all with inadequate, or no coverage? In this day and age, lawsuits have become more common than not, and without the proper liability coverage on your business, you could be wiped out in a heartbeat. Sound Insurance has the companies, and the coverage that will protect you and your business form any misfortunes that may occur. Give us a call.

    NOTE: All products and services are not available in all states.

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