Auto, Motorcycle, RV & Boat Insurance
From daily drivers to weekend toys, Melton McFadden has you covered. Whether it floats, rolls, or roars down the highway—we’ll help you protect it with the right policy at the right price.
Auto Insurance
When you buy an auto insurance policy, you’re really buying a package of individual coverages. Each one protects you in different ways. Once you understand the coverages available, you can decide what fits your needs—and what doesn’t.
Bodily Injury (BI) Liability
Covers injury or death to others in an accident where you’re at fault. Also pays your legal defense. Required in most states.
Property Damage (PD) Liability
Pays for damage to someone else’s property—like their car, mailbox, or front porch—if you’re responsible. Also usually required.
Medical Payments
Pays medical and funeral costs for you and your passengers, regardless of fault. Coverage limits apply. Optional in many states.
Uninsured/Underinsured Motorist (UM/UIM)
Pays for bodily injury and pain and suffering caused by someone with little or no insurance. Coverage definitions vary by state.
Collision
Covers damage to your vehicle from collisions or rollovers. Often required if you’re financing or leasing.
Comprehensive
Covers theft, vandalism, fire, floods, hail, and other non-collision damage. Also usually required with a vehicle loan.
Rental Reimbursement
Pays for a rental car while your vehicle is in the shop for a covered repair.
Towing & Labor
Covers services like towing, battery jumpstarts, flat tire changes, or unlocking your car.
Motorcycle Insurance
Motorcycles come with unique risks—so they deserve tailored protection. Even if your bike spends more time parked than on the pavement, you’ll want insurance that covers:
Liability, Collision & Theft
Custom Parts & Equipment
Medical Payments
Premium factors may include:
Riding experience and age
Where you store the bike
Credit score
Prior motorcycle insurance
Anti-theft devices
ATV Insurance
Most states don’t require ATV insurance, and many homeowners or renters policies don’t fully cover them. Want to make sure you’re not leaving a coverage gap? Let us review your policy.
You may qualify for discounts if you:
Complete an approved ATV safety course
Insure multiple ATVs
Are a member of HOG, AMA, HRCA, or other riding groups
RV & Motorhome Insurance
Insuring your RV under your auto policy might sound easy, but it rarely offers enough protection—especially for personal belongings inside.
Why RV-specific insurance matters:
Auto policies often don’t cover what’s inside your RV
Homeowners coverage is limited when property isn’t at your residence
Separate RV policies typically offer better personal property protection
If your carrier doesn’t offer dedicated RV insurance, don’t worry—there are specialized providers. Coverage is often very affordable compared to what you could lose.
Before your road trip:
Check belts, hoses, tires, lights, fire extinguisher, and smoke alarms
Clean your cooking vent hood to prevent fire
Leave your travel plans with a friend or relative
Teach your passengers basic emergency procedures
Boat & Yacht Insurance
Boat damage claims have increased in recent years—and many marinas and lenders now require insurance. Even if they don’t, it’s a smart move.
Recommended boat coverages:
Liability
Physical Damage
Theft
Medical Payments
Motor & Trailer
Accessories (covers, fenders, communication devices)
Possible discounts:
New boat
Fire extinguisher on board
Burglar alarm
Ship-to-shore radio
Approved boating safety course
Because every boat is different, let us help tailor a policy that works for you and your vessel.
Bonus: We Also Cover Small Businesses
Need insurance for your business or side hustle? Melton McFadden offers small business insurance for all types of operations across Michigan—including liability protection.
Ready to get started or have questions about what you need?
Contact Melton McFadden today and let’s get you covered—before life decides to test your luck.