Specialty Auto Insurance

Your Adventures, Our Protection: Specialty Insurance in The Woodlands, TX

Life in The Woodlands is all about embracing the journey, whether you're cruising down the scenic roads, exploring rugged trails, or enjoying a day on Lake Conroe.

At The Summit Insurance Brokerage of Texas, we get it. Whether motorcycle, off-road vehicle, RV, Boat, or classic car isn't just a vehicle; it's a passion. That's why we offer specialized insurance designed to protect your prized possessions, providing peace of mind for every adventure that comes your way.

Motorcycle, ATV & Side-by-Side Insurance

From the roar of a motorcycle on a weekend ride to the thrill of an ATV on a dirt path, your recreational vehicles are your ticket to freedom. We provide comprehensive coverage that protects you and your ride.

• Total Loss Coverage: Protects your investment in case your bike, ATV, or SxS is a total loss.

• Custom Parts & Equipment: Your custom pipes, chrome, and accessories are covered, so you don't have to compromise on style or protection.

• Liability & Medical Payments: Ensure you're covered for bodily injury and property damage, along with medical coverage for yourself and any passengers.

• Uninsured/Underinsured Motorist: Protects you from other drivers who may not have adequate insurance.

Whether you're exploring Sam Houston National Forest or cruising through Montgomery County, we have the right policy for your off-road and on-road adventures.

RV, Motorhome & Travel Trailer Insurance for The Woodlands Adventurer

For residents of The Woodlands, an RV isn't just a vehicle; it's the key to unlocking the best of Texas. It's the freedom to head up I-45 for a weekend at Huntsville State Park, set up for a week of fishing at Lake Conroe, or tailgate in style before a game in Houston. Whether you have a Class A motorhome, a fifth-wheel, or a travel trailer, you need insurance that protects your investment and your lifestyle, something a standard auto policy simply can't do.

• Campsite & Vacation Liability: Imagine you're parked at Lake Conroe RV Resort or Stephen F. Austin State Park, and a guest trips over your awning line. This coverage protects you from liability if someone is injured at your campsite, providing crucial peace of mind while you're relaxing.

• Personal Property Replacement: Your auto policy won't cover the laptops, fishing gear, grill, and camping equipment you have inside your RV. This essential coverage protects your belongings from theft or damage, whether you're parked in your driveway in a village like Alden Bridge or exploring the Hill Country.

• Full-Timer Liability: For those in The Woodlands who have embraced the full-time RV lifestyle, this coverage is non-negotiable. It provides broad, homeowner-like liability protection no matter where you're parked, which is essential when your RV is your primary home.

• Emergency Expense Coverage: A breakdown can happen anywhere, and being stranded far from home is stressful. If your RV becomes disabled on a trip to Galveston or deep in East Texas, this coverage helps pay for transportation, lodging, and meals so a mechanical failure doesn't ruin your entire trip.

• Comprehensive Protection for Texas Weather: From sudden hailstorms to the seasonal risk of tropical storms, our policies include comprehensive coverage that protects your RV from non-collision events, ensuring your home-on-wheels is secure against Texas's unpredictable weather.

Boat & Watercraft Insurance

With Lake Conroe and the Gulf Coast just a short trip from The Woodlands, owning a boat is one of the best ways to enjoy the Texas lifestyle. Our boat and watercraft insurance ensures you can relax on the water, knowing you're fully protected.

• Agreed Value Coverage: We'll cover your boat for its agreed-upon value, without depreciation, in the event of a total loss.

• On-Water Towing & Assistance: Provides peace of mind with 24/7 assistance if you're stranded on the water.

• Wreckage Removal: Covers the often-expensive costs associated with removing your boat from the water after an accident.

• Fishing Equipment & Personal Effects: Protects your valuable fishing gear, water skis, and other personal items on board.

Classic & Collector Car Insurance: Protecting Your Passion in The Woodlands

Your classic car is more than just a vehicle; it's a piece of rolling history that turns heads on Woodlands Parkway and draws admirers at Market Street’s Cars & Coffee.

Whether you own a vintage muscle car, a timeless European roadster, or a perfectly restored classic truck, it’s a passion project that deserves protection far beyond what a standard auto policy can offer. We understand the pride you feel cruising to a show in Conroe or taking a scenic drive through Montgomery County, which is why we offer specialized insurance designed specifically for collector vehicles like yours.

• Agreed Value Coverage: Standard policies pay "actual cash value," which depreciates over time. We lock in an Agreed Value for your classic, so if you have a total covered loss, you get the full insured amount, guaranteed. Whether it’s a 1969 Camaro or a 1957 Bel Air, its true value is protected.

• Flexible Usage for the Local Enthusiast: Our policies are built for how you actually use your car. Enjoy pleasure drives, attend events with the Northside Mustang Car Club, or showcase your vehicle at the Keels & Wheels Concours d'Elegance in Seabrook. There are no rigid mileage limits—just the freedom to enjoy your investment.

• Guaranteed Flatbed Towing: A breakdown on I-45 or a country road is every classic owner's concern. Our policies include roadside assistance with guaranteed flatbed towing to ensure your vehicle is transported without risk of damage to its chassis or drivetrain, getting it safely to your trusted local mechanic.

• Protection During Hurricane Season: Living in The Woodlands means preparing for severe weather. We can help ensure your policy includes comprehensive coverage for risks like flooding and wind damage, providing critical protection while your classic is stored securely in your garage during a storm.

• Expert Claims Handling: When the unthinkable happens, you need an adjuster who knows the difference between a carburetor and a fuel injector. We work with experts in the collector car world who understand the complexities of sourcing rare parts and finding specialized repair shops in the Houston area.

Protect your passion project with a policy from a local agent who appreciates its value as much as you do.

FAQs About Specialty Insurance

General Specialty Insurance Questions

What is specialty insurance and why do I need it? Specialty insurance provides tailored coverage for unique, high-value, or high-risk vehicles like motorcycles, RVs, boats, and classic cars. A standard auto policy often doesn't cover the specific risks, values, and uses associated with these prized possessions, leaving you with significant coverage gaps.

Is specialty insurance more expensive than standard auto insurance? Not necessarily. The cost depends on the vehicle and the type of coverage. For example, classic car insurance is often less expensive than regular auto insurance because the vehicles are driven less frequently and are exceptionally well-maintained. We work to find you the most competitive rates for your specific needs.

Can I bundle my specialty insurance with my home and auto policies? Absolutely! Bundling your policies is one of the best ways to save money. We can combine your specialty vehicle coverage with your other policies for a multi-policy discount.

How does living in The Woodlands, TX, affect my specialty insurance rates? Insurers consider local factors like weather patterns (like hurricane risk for boats and RVs), theft rates, and local repair costs. As your local agent, we understand the specific risks in The Woodlands and Montgomery County and can tailor your policy accordingly.

What is "Agreed Value" coverage and why is it important for specialty vehicles? Agreed Value coverage is crucial for classic cars, custom motorcycles, and high-end boats. You and the insurance company agree on the vehicle's value before the policy starts. If there's a total covered loss, you receive that full agreed-upon amount without any deduction for depreciation.

Motorcycle, ATV & Side-by-Side Insurance

Is motorcycle insurance required in Texas? Yes, Texas law requires all motorcycle operators to carry liability insurance with at least the minimum state-required limits: $30,000 for bodily injury liability per person, $60,000 per accident, and $25,000 for property damage liability.

Does my policy cover custom parts and accessories on my motorcycle? Yes, but you need to make sure you have adequate Accessory Coverage. A standard policy includes a small amount, but if you've added custom pipes, paint, seats, or chrome, you'll want to increase this limit to fully protect your investment.

Is my ATV or Side-by-Side covered by my homeowner's insurance? Usually not, especially once it leaves your property. Homeowner's insurance typically provides very limited coverage. A dedicated ATV/SxS policy is essential for covering theft, damage, and liability, especially when riding on trails in places like Sam Houston National Forest.

Do I need coverage if I only ride my ATV on my own property? While not legally required if it never leaves your land, it is highly recommended. Your homeowner's policy may not cover liability if a guest is injured while riding it. A separate policy protects you from potential lawsuits and covers the vehicle itself against theft or damage.

What discounts are available for motorcycle insurance? Common discounts include having a valid motorcycle license, completing a safety course (like those offered by the Motorcycle Safety Foundation), being a mature rider, and bundling with other policies.

RV, Motorhome & Travel Trailer Insurance

What's the difference between RV insurance and a standard auto policy? RV insurance is a hybrid policy that combines elements of both auto and home insurance. It covers road-related risks like a car policy but also protects your personal belongings inside, offers campsite liability, and provides coverage more akin to a homeowner's policy.

Do I need special coverage if I live in my RV full-time? Yes, you absolutely need Full-Timer's Liability coverage. This provides broader personal liability protection, similar to a homeowner's policy, which is essential if your RV is your primary residence.

Does RV insurance cover my personal belongings inside my travel trailer? Yes, comprehensive RV policies include Personal Effects Coverage. This protects your camping gear, electronics, clothes, and other items you travel with, which are typically not covered by your auto policy.

What is Vacation Liability coverage? This coverage protects you if someone is injured in or around your RV or campsite while you're on vacation. It's an important feature that a standard auto policy doesn't offer.

With the risk of hurricanes and severe weather near The Woodlands, how is my RV protected? Comprehensive Coverage is key. This part of your policy covers damage from non-collision events, including theft, vandalism, fire, hail, and flooding. Given our proximity to the Gulf Coast, this is a must-have for any RV owner in our area.

Boat & Watercraft Insurance

Is boat insurance required in Texas? While Texas state law doesn't require boat insurance for all vessels, most marinas and storage facilities require you to carry liability coverage. Furthermore, if you have a loan on your boat, your lender will mandate it.

What does boat insurance cover on local lakes like Lake Conroe? A typical policy covers your boat, motor, and trailer from damage and theft. It also includes liability protection in case you're at fault in an accident that injures someone or damages their property. Additional coverages include on-water towing, wreckage removal, and fuel spill liability.

Does my policy cover my fishing gear or water skis? Yes, with Personal Effects and Fishing Equipment coverage. Just like with an RV, a specialized boat policy can protect your valuable gear against theft or damage.

What is "wreckage removal" coverage? If your boat sinks, you are legally responsible for having it removed from the waterway. Wreckage removal coverage pays for the often very high costs associated with raising and disposing of the craft.

How can I get a discount on my boat insurance? Discounts are often available for completing a boater safety course (like those offered by the U.S. Coast Guard Auxiliary), having a clean driving record, and bundling your boat policy with your home or auto insurance.

Classic & Collector Car Insurance

How does a car qualify as "classic" for insurance purposes? Insurers have different definitions, but generally, a classic car is at least 20-25 years old and is maintained for collector purposes. It cannot be your daily driver, must be in good working condition, and should be stored securely in a garage.

Why is classic car insurance often cheaper than regular auto insurance? It's typically less expensive because classic cars are driven sparingly (limited mileage), are meticulously cared for, and are not used for daily commuting, which significantly reduces the risk of accidents.

Are there mileage restrictions with a classic car policy? Most classic car policies have flexible usage limits rather than strict mileage caps. They are designed for hobbyists, allowing for pleasure driving, club functions, and attending car shows. They are not intended for daily commutes or running errands.

What kind of roadside assistance is available for classic cars? Specialized classic car policies offer flatbed towing as a standard feature. This is critical to prevent damage to the drivetrain, suspension, and body of a classic vehicle during transport.

Does my policy cover my vehicle while it's at a car show in The Woodlands or Houston? Yes, your coverage extends to car shows, club events, and exhibitions. Your classic car is protected whether it's on the road, parked for display, or in storage.

The insurance options for my motorcycle were excellent and tailored to my needs!

Eric S.

I found the perfect coverage for my classic car. Highly recommend their services!

Sandra R.

★★★★★

★★★★★