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Motorcycle Insurance

motorcycle-insuranceChances are we cover what you ride. We insure a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers and touring bikes to dirt bikes and ATVs.

You Can Qualify for Some of These Credits and Discounts

One of the great advantages of having your motorcycle coverage through an independent agent is that you may save money by having more than one policy with us. We will be able to help calculate how much money you can save. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.

Custom Parts and Equipment

If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.

Roadside Assistance

Your insurance policy can provide you with a roadside assistance benefit of up to $300 per breakdown.

Liability Coverage

You can pick the motorcycle insurance coverage that fits your needs. W.A. George Insurance offers underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection. Check with W.A. George insurance Agency to determine your specific coverage.

Medical Coverage

This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.

Uninsured/Underinsured Motorist Coverage

This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.

Ask Your Agent

Your W.A. George Insurance agent can help you find insurance that meets your specific needs. Here are a few things to discuss when you talk:

  • Can I get a discount for taking safety classes or having multiple policies?
  • Will I save money if my motorcycle is stored in a garage, or if I belong to a motorcycle association?

Watercraft Insurance

A Boatowners Policy can insure you against most risks of owning and operating your boat, its motor and its trailer. Just as importantly, it can protect you against liability lawsuits, should you injure someone with your boat or damage their property.

Why Insure Your Boat or Personal Watercraft?

watercraft-insuranceIn tough economic times some people are tempted to let insurance coverages lapse. Should you ever need to use your watercraft insurance, however, it is one of the best investments you could make. Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • If you are injured by an uninsured boater, uninsured watercraft coverage will provide coverage for you.


Your watercraft needs protection on the water, and on land, with coverage for you, your guests, and your boat. Thinking of buying a boat? Check with your W.A. George Insurance agent to see what it will cost to insure it.

Some people assume their homeowner’s policy is all they need to protect their boat. Not true.

Own a Boat? Get Insured.

Typically, homeowner’s policies have limited coverage for boats and may not cover injuries or accidents while you're on the water. To make sure you're covered for boat injuries, theft and damage, buy a boat insurance policy.

Boats Need TLC, Too

Tune-ups aren’t just for cars. When you're out on the water, make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease. Carry a fire extinguisher and keep it charged. Have your boat's operating systems checked at least once a year by a certified marine technician. The Coast Guard Auxiliary and United States Power Squadrons also offer free vessel safety checks.

Are You Experienced?

According to the U.S. Coast Guard, 90% of reported fatalities in 2008 happened on boats where the driver had not received boating safety training. Make sure anyone who drives your boat is properly trained. You also can save up to 15 percent on your boat policy by completing a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.

Life Preservers Aren't Just for Kids

Hundreds of people drown in boating accidents every year—and nearly all of them were not wearing a life jacket. It's not enough to just have life jackets on board—you must wear them. In an accident, people rarely have time to reach for a life jacket. This rule applies to adults, not just children: more people in their 30s die in boating accidents than any other age group. New lighter, more comfortable and attractive life jackets are available today, making it even easier to get passengers to suit up.

Carbon Monoxide Kills in Minutes

Carbon monoxide poisoning is preventable. Turn off your engine when there are people in the water, and don't let passengers "ski" by holding on to the back of the boat. You also can install a carbon monoxide detector for your boat for less than $100.

Umbrella Liability

Umbrella-CoverageDo They Really Shield From the Rain?

Yes, if one wants to ensure adequate liability coverage is in place if a lawsuit or serious injury occurs. If you find yourself in an unfortunate situation, and your current liability coverage is not enough to pay damages, the person bringing the action can go after your home or other assets.

An umbrella policy supplements your current car and/or home insurance, providing a higher level of protection. It begins where your current coverage ends. For example, if your car insurance covers up to $500,000 per accident, your umbrella policy starts at $500,001 and pays until your pre-set liability limits have been reached.

How much do umbrella policies cost?

These types of policies are generally inexpensive as your primary liability coverage assumes most of the risk. For $200 a year, it is possible to purchase $1 million of additional coverage or more with an umbrella policy. It is also important to note that many companies will not offer an umbrella policy, unless both home and car insurance is also purchased from them. Additionally, insurers may stipulate what the limits of your primary insurance must be to purchase an umbrella policy on top of it.

Outside of the higher liability limits, your coverage is broaden to include bodily injury, property damage and personal injury (i.e. false arrest, false imprisonment, malicious prosecution, invasion of privacy, etc) you may have caused. It can also cover lawyers’ fees and other defense costs which can add up quickly.

Auto Insurance

Car-Insurance-300

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best coverages for you.

What kind of insurance do I need?
In some states, to drive you must carry:

  • Liability coverage - to pay for losses you cause others, or:
  • No-fault coverage - to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault
  • or Both coverages


Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident, when you are "at fault". Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision coverage will cost.

Comprehensive (Other than Collision)

Comprehensive coverage is very similar to collision coverage - the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or "act of God". Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it's not legally required by any state, you will probably need it if your car is financed.

W.A. George provides free quotes for auto insurance in Chicago, Illinois and nationally. Contact us today! 

Renters Insurance

Apartment-BuildingYou may not own the place where you live, but you still need insurance protection. Renters insurance will protect your personal property, your liability and moving expenses if your home becomes uninhabitable because of an insured loss.

Plan for the Unexpected

Good coverage to protect your possessions goes a long way. It makes sense to have solid coverage plan to replace your things if you have a fire or thieves break in and make off with your expensive electronics. Having rental protection is a sound investment for those looking to save for home ownership as a way to rule out unexpected costs associated with rental.

W.A. George Insurance Agency in Chicago, Illinois will provide a renters insurance policy that suits your individual needs. 

Financial Insurance