Motorcycle Insurance Optional Coverage

Note: Motorcycle insurance varies with each carrier. Engarde Financial Group has working relationships with multiple insurance carriers and will work with you to find the insurance carrier that is the best fit for you. 

Motorcycles are for adventures. They are for long drives down tree lined country roads. They are for hitting the rugged trails with friends. Motorcycles are for solo rides at dawn. 

No matter where your motorcycle excursions take you, be sure to have peace of mind knowing you and your motorcycle are covered in the case of an unfortunate event.

Motorcycle insurance offers both standard coverage and optional coverage. Listed below is the optional coverage choices that can be added to your standard coverage. 

    • Total loss coverage covers a new motorcycle within specified criteria. 
    • Roadside assistance covers the towing cost of your motorcycle to the nearest auto shop within the United States. 

Obtaining motorcycle insurance ensures peace of mind while enjoying one of your favorite past times; riding your motorcycle. Contact Engarde Financial Group at 412-533-2373 to discuss motorcycle insurance today. 


Engarde Financial Group is positioned to educate and serve its clients with other insurance coverages.

We understand that your personal items that you possess are of significance to you. Here at EFG we look at every situation differently. When it comes to your needs there is no such thing as one size fits all. Speak to a insurance professional today so that we can design a policy to cover all the things you love.

Motorcycle Insurance Standard Coverages Part 2

Note: Motorcycle insurance varies with each carrier. Engarde Financial Group has working relationships with multiple insurance carriers and will work with you to find the insurance carrier that is the best fit for you. 

Motorcycles are for adventures. They are for long drives down tree lined country roads. They are for hitting the rugged trails with friends. Motorcycles are for solo rides at dawn. 

No matter where your motorcycle excursions take you, be sure to have peace of mind knowing you and your motorcycle are covered in the case of an unfortunate event. 

Motorcycle insurance offers both standard coverage and optional coverage. Listed below are the usual coverages included in standard coverage. 

Take a moment to think about having your motorcycle repaired using the same parts or custom parts.  

    • Original equipment manufacturer parts cover the cost of original parts or custom parts. 

Also think about the extent and finances it would take to repair your motorcycle to the state it was in before an accident. 

    • Full replacement cost covers the cost of returning your motorcycle to the condition it was in before the accident. 

Obtaining motorcycle insurance ensures peace of mind while enjoying one of your favorite past times; riding your motorcycle. Contact Engarde Financial Group at 412-533-2373 to discuss motorcycle insurance today. 


Engarde Financial Group is positioned to educate and serve its clients with other insurance coverages.

We understand that your personal items that you possess are of significance to you. Here at EFG we look at every situation differently. When it comes to your needs there is no such thing as one size fits all. Speak to a insurance professional today so that we can design a policy to cover all the things you love.

Motorcycle Insurance: Standard Coverages Part 1

Note: Motorcycle insurance varies with each carrier. Engarde Financial Group has working relationships with multiple insurance carriers and will work with you to find the insurance carrier that is the best fit for you. 

Motorcycles are for adventures. They are for long drives down tree lined country roads. They are for hitting the rugged trails with friends. Motorcycles are for solo rides at dawn. 

No matter where your motorcycle excursions take you, be sure to have peace of mind knowing you and your motorcycle are covered in the case of an unfortunate event. 

Motorcycle insurance offers both standard coverage and optional coverage. Listed below are the usual coverages included in standard coverage. 

Take a moment to think about the medical expenses that could add up quickly in the event of a motorcycle accident.  

    • Medical payments pay for the medical bills when you or someone else is injured. 

Also think about the out-of-pocket expense of having to be financially responsible for paying for damages or bodily injuries of another person if you are found liable in a motorcycle accident.

    • Bodily injury and property damage liability pays for the damages and/or injuries of a vehicle or another driver. This coverage can also cover the expenses if you are sued. 

Now think about the financial burden that you could find yourself in if your motorcycle were stolen, vandalized or if you got in an accident. 

    • Comprehensive and collision pays for repairs to your motorcycle or the replacement of your motorcycle when damages occur from such events as vandalism or fireCollision pays for repairs or replacement when you are involved in an accident.

Lastly think about the financial bind you could find yourself in if you were to get in an accident with an uninsured or underinsured motorist. 

    • Uninsured and underinsured motorist pays for medical bills incurred due to bodily injury or bills from damages to your motorcycle that the motorist at fault I unable to pay for 

Obtaining motorcycle insurance ensures peace of mind while enjoying one of your favorite past times; riding your motorcycle. Contact Engarde Financial Group at 412-533-2373 to discuss motorcycle insurance today. 


Engarde Financial Group is positioned to educate and serve its clients with other insurance coverages.

We understand that your personal items that you possess are of significance to you. Here at EFG we look at every situation differently. When it comes to your needs there is no such thing as one size fits all. Speak to a insurance professional today so that we can design a policy to cover all the things you love.

How to Save Money on Necessities

While most of us don’t need to have a private jet to be happy, it can be difficult to really enjoy our lives if we can’t pay for the things we really need. Everything seems to cost a little more each year, which can make paying for the necessities a little more difficult each year.

Use these techniques to acquire necessities for less money, leaving more for the other things you enjoy:

  1. Food. Since food can be one of your larger necessary expenses, it makes a lot of sense to spend some time on trying to minimize it.

    • Grow your own. Kids love gardens and will help enthusiastically. Seeds are extremely inexpensive, and it’s much healthier than eating the stuff in the grocery store that’s been exposed to herbicides and pesticides.

    • Use coupons. Some people seem to be able to buy $300 worth of groceries for $1.52, but that takes a lot of time. Just sift through the paper every Sunday for 2 minutes and pick out the coupons for products you already use. It’s good money for such a small amount of work.

    • Make a list. Make a shopping list and stick to it. If you only buy what you need, you won’t spend more than you need to spend.

  2. Gasoline. If you own a car, truck, or motorcycle then you probably need to purchase gas on a regular basis. Follow these tips to cut down on the cost:

    • Carpool. Odds are there is someone that lives nearby that works with you. Share the ride and split the cost of gas.

    • Maintain your vehicle. Having the proper air pressure in your tires can make a huge difference, not to mention your tires will last longer. Change your motor oil, transmission oil/fluid, and differential oil on schedule. Get a tune-up every year.

    • Make one trip. Driving back and forth from your house to the shopping areas multiple times each week wastes gas. Get it all done at once to save time and money.

  3. Utilities. Unless you have a very simple life, electricity, water, cable, internet, and your phone are expenses that you have to deal with every month.

    • Only use what you need. If you’re not watching the TV then turn it off. Turn off lights when no one is in the room. Don’t let the water run. These are simple things.

    • Only buy what you use. Do you need the cell phone plan that you have now? Or could you do with something less? Examine all your current plans and determine if you really need the level of service that you’re paying for.

    • Set the thermostat wisely. Turn down the heat at night. Minimize the air conditioning if you’re gone all day. Do you really need it to be 68 degrees in the summer and 78 degrees in the winter? Dress appropriately and save some money.

  4. Insurance. When you add it all up, it’s a lot of money every year.

    • Raise your deductible. Doubling your auto insurance deductible reduces your premium by almost 30%. Multiply that over a couple of years and you’ll be surprised.

    • Only get what you really need. If you live on a mountain, flood insurance might not be necessary. If your health is spectacular, raise your deductible and co-pays on your health insurance to save money on premiums. If you drive a clunker, you probably don’t need every car insurance option available.

Necessities are those things that everyone needs. Finding ways to spend less on these things is as simple as spending a little bit of time contemplating how you can pay less. Don’t buy more than you need and avoid being wasteful. Big savings are just around the corner with a little planning and work.

Boat Insurance: Types of Boats

Note: Boat insurance varies with each carrier. Engarde Financial Group has working relationships with multiple insurance carriers and with work with you to find the insurance carrier that is the best fit for you. 

Do you own a boat? Or are you looking to own a boat? Like people, boats come in varying shapes and sizes. Also, like people, different boats have distinct functions. Choosing a boat boils down to preference and how you like to spend your free time. Choose which boat fits your personality. 

Are you a sailor at heart who currently sails the wide-open seas?  

    • Sailboats are boats that use a sail for power or sometimes uses a motor. 

Or maybe you’re a cruiser who prefers leisure time on lakes and rivers. 

    • Pontoon Boats are boats constructed of hollow, metal cylinders. 

Does your personality fit more into the category of fisherman? 

    • Fishing Boats are boats used for, you guessed it, fishing. 

Maybe you’re a combination of a cruiser and a fisher.  

    • Powerboats are the most popular type of boat and can be used for multiple activities such as fishing, cruising, and watersports. 

Perhaps you enjoy taking to the water solo.  

    • Personal Watercraft are usually used by one person and sometimes up to three people. One example of a personal watercraft is a jet ski. 
    •  

Which type of boat listed above do you own? Which type of boat listed above do you dream of owning? 

Obtaining boat insurance ensures peace of mind while enjoying one of your favorite past times; boating. Contact Engarde Financial Group at 412-533-2373 to discuss if we cover your type of boat today. 


Engarde Financial Group is positioned to educate and serve its clients with other insurance coverages.

We understand that your personal items that you possess are of significance to you. Here at EFG we look at every situation differently. When it comes to your needs there is no such thing as one size fits all. Speak to a insurance professional today so that we can design a policy to cover all the things you love.

Boat Insurance: Optional Coverages Part Two

Note: Boat insurance varies with each carrier. Engarde Financial Group has working relationships with multiple insurance carriers and will work with you to find the insurance carrier that is the best fit for you. 

Boat insurance offers both standard coverage and optional coverage. Listed below are some of the optional coverages that can be added to your boat insurance policy. 

Spending time on your boat should be enjoyable and relaxing. That is why we are here for you to provide the coverage you need to allow you to keep your mind on recreation and leisure, while we handle the rest. 

Take a moment to think about the financial burden that would be placed on you if your car broke down during your road trip. If this occurs, depending on certain criteria, expenses such as food and lodging could be covered. 

  • Trailer trip interruption covers the expenses if you break down during a trip. 

Now let us think about damages or injuries caused by a boat owner who is either uninsured or underinsured. Spend time on the water without worrying about who will handle the expense.

  • Uninsured/underinsured boater covers damages or injuries caused by another boat owner who may be uninsured or underinsured up to a specified dollar amount.

Although we do not want to think about the unfortunate events in life, we must be prepared to handle these events if they arise. 

  • Medical payments cover the medical expenses in the event of an accident or injury to you or someone else while spending time on your boat. 

Obtaining boat insurance ensures peace of mind while enjoying one of your favorite past time, boating. Contact Engarde Financial Group at 412-533-2373 to discuss boat insurance today. 


Engarde Financial Group is positioned to educate and serve its clients with other insurance coverages.

We understand that your personal items that you possess are of significance to you. Here at EFG we look at every situation differently. When it comes to your needs there is no such thing as one size fits all. Speak to a insurance professional today so that we can design a policy to cover all the things you love.

Boat Insurance: Optional Coverages Part One

Note: Boat insurance varies with each carrier. Engarde Financial Group has working relationships with multiple insurance carriers and will work with you to find the insurance carrier that is the best fit for you. 

Boat insurance offers both standard coverage and optional coverage. Listed below are some of the optional coverages that can be added to your boat insurance policy.   

Spending time on your boat should be enjoyable and relaxing. That is why we are here for you to provide the coverage you need to allow you to keep your mind on Recreation and leisure, while we handle the rest. 

No one wants to think about losing something they love. We think it is safe to say, you love your boat and the many memories you have created spending time on it. But, we all know, sometimes unfortunate things happen. That is where total lost replacement comes into the picture.

  • Total loss replacement covers your boat if you are the original owner and if your boat and if you have had your boat for a specified amount of time.

Do you spend your weekends fishing with your family? Chances are, you store your fishing gear on your boat for easy accessibility. We also know, you and your friends or family carry cell phones to be able to capture your special moments. Adding fishing equipment/carry-on items coverage to your policy will cover the cost of these items if they are lost or stolen.  

  • Fishing Equipment/Carry-on items covers your fishing equipment and/or carry-on items up to a specified dollar amount if they are lost or stolen. 

Lastly, sometimes people make bad choices that affect others. It is our hope that these events never occur to you, however, take advantage of the coverage you need that can protect you in the event of vandalism or theft involving your boat. Maybe a natural disaster takes place where you live, or you are in an accident. Comprehensive and collision coverage covers situations mentioned and other incidents. 

  • Comprehensive and Collision covers events such as certain natural disasters, vandalism, etc. up to a certain dollar amount.  

Obtaining boat insurance ensures peace of mind while enjoying one of your favorite past times, boating. Contact Engarde Financial Group at 412-533-2373 to discuss boat insurance today. 


Engarde Financial Group is positioned to educate and serve its clients with other insurance coverages.

We understand that your personal items that you possess are of significance to you. Here at EFG we look at every situation differently. When it comes to your needs there is no such thing as one size fits all. Speak to a insurance professional today so that we can design a policy to cover all the things you love.

Boat Insurance: Standard Coverages and Benefits Part Two

Note: Boat insurance varies with each carrier. Engarde Financial Group has working relationships with multiple insurance carriers and with work with you to find the insurance carrier that is the best fit for you. 

When you think of your boat, you think of weekend get together with friends. You think of leisure. You think of good times. In order to enjoy the time spent on your boat, it is important to also think about boat insurance. Although boat insurance is not mandatory, it is important coverage to have for you to have peace of mind as it pertains to your boat.  

Boat insurance offers both standard coverage and optional coverage. Listed below are the usual coverages and benefits included in standard coverage.

Investing in boat insurance with water sports coverage is a proactive approach to the possibilities of an accident involving bodily injury occurring. If you, a family member or friend is injured as a result of a water sport involving your boat, water sports coverage has you covered.  

  • Water sports coverage covers injuries or damages that occur to a person or your boat as a direct result from knee boarding, tubing or similar water sports activities.

Now let us think about accidents the amount of money it would take in the event your boat wrecked rendering it unsalvageable. Instead of worrying of how your wrecked boat will be removed or how you will pay for it, wreckage removal coverage takes matters into their hands. 

  • Wreckage removal covers the removal of your boat if it sinks. 

Lastly, if your vehicle becomes undriveable, roadside assistance is available. 

  • Roadside assistance covers the cost to tow your vehicle to the nearest auto repair shop. This coverage is available when you have trailer coverage on your policy. 

Obtaining boat insurance ensures peace of mind while enjoying one of your favorite past times; boating. Contact Engarde Financial Group at 412-533-2373 to discuss boat insurance today. 



Engarde Financial Group is positioned to educate and serve its clients with other insurance coverages.

We understand that your personal items that you possess are of significance to you. Here at EFG we look at every situation differently. When it comes to your needs there is no such thing as one size fits all. Speak to a insurance professional today so that we can design a policy to cover all the things you love.

Boat Insurance: Standard Coverages and Benefits Part One

Note: Boat insurance varies with each carrier. Engarde Financial Group has working relationships with multiple insurance carriers and with work with you to find the insurance carrier that is the best fit for you. 

When you think of your boat, you think of weekend get together with friends. You think of leisure. You think of good times. In order to enjoy the time spent on your boat, it is important to also think about boat insurance. Although boat insurance is not mandatory, it is important coverage to have for you to have peace of mind as it pertains to your boat.  

Boat insurance offers both standard coverage and optional coverage. Listed below are the usual coverages and benefits included in standard coverage.

Take a moment to think about the financial burden that would be placed on you in the event that your boat needed replaced. If your boat became damaged due to an accident or another unfortunate event, full replacement cost would cover it. 

  • Full replacement cost is the insurance used to repair your boat. This coverage is available to clients who have comprehensive and collision coverage. 

Now let us think about accidents that can affect the environment, such as fuel spills. Depending on where a fuel spill occurs and how much damage it causes, a fuel spill from your boat can incur hefty penalties and expenses.  

  • Fuel spill covers fuel spills occurring from mishaps such as a leaking tank or a sunken boat.

Although we don’t want to think about the unfortunate events in life, we must be prepared to handle these events if they arise. 

  • Bodily injury & property damage covers expenses incurred in the event of an accident that causes damage to property or injury to people. 

Obtaining boat insurance ensures peace of mind while enjoying one of your favorite past times; boating. Contact Engarde Financial Group at 412-533-2373 to discuss boat insurance today. 


Engarde Financial Group is positioned to educate and serve its clients with other insurance coverages.

We understand that your personal items that you possess are of significance to you. Here at EFG we look at every situation differently. When it comes to your needs there is no such thing as one size fits all. Speak to a insurance professional today so that we can design a policy to cover all the things you love.

Lease or Buy? Financing Tips for Automobiles

There are two basic options when you need a new vehicle: Lease or buy. You can purchase a vehicle with cash or through financing, or strike up a lease agreement with an auto retailer. Leasing a vehicle provides you with short-term benefits without ownership, while buying is a much more serious commitment, but with greater long-term value.

Educate Yourself

To get the most out of either financing option, become familiar with the benefits and drawbacks associated with each option. Both options are viable when the right conditions are met, so leasing might be best for you at some point in time while buying is best during another point in your life.

Here are some things to consider before deciding to buy or lease a vehicle:

  1. Leasing is similar to renting your car. When you lease a vehicle, you make monthly payments on it, but you never really own it. This means that once the lease term is up, you either give the vehicle back or renew the lease. There’s never a point where you actually pay off or own the vehicle.
      • Despite not actually owning the vehicle, you’re still responsible for all aspects of maintenance during the lease term in most circumstances. This means new tires, oil changes, new fluids, and all general maintenance costs are your responsibility.
      • Because you don’t own the vehicle, you cannot make any modifications to it: no bumper stickers, aftermarket parts, window tinting, or other alterations that you might like to make on a car that you drive regularly.
      • Leasing is most ideal for individuals who want to drive a new vehicle every few years. When your lease agreement ends, you can initiate a new lease agreement with a new vehicle.

  2. Getting an auto loan means the vehicle is yours. As long as you make the auto loan payments on time, you get to keep the vehicle. Once the vehicle is paid off completely, you don’t have to worry about making payments any longer.
      • As the owner, you’re responsible for maintenance costs and repairs. However, you may enjoy the fact that you’re maintaining your own vehicle. You don’t have to give it back.
      • When you own your car, you can use it as collateral for secured lending options. When you lease a vehicle, you cannot use it as collateral and there are many restrictions about how you can use it that may limit your enjoyment of the vehicle.

  3. Interest rates affect whether one option is better than another. Affordability is key when it comes to choosing between leasing and owning a vehicle. The affordability of one option over the other can change based on the market and current interest rates and other incentives.
      • When interest rates on auto loans are low in general, lease payments may not be the most attractive option. Lower interest rates combined with incentives from auto dealers often make an auto loan the better opportunity.
      • When interest rates go up and obtaining an auto loan is not always feasible, leasing may be a better option because it provides short term access to a car with lower monthly payments, since you don’t pay based on interest rate.

The Bottom Line

Weigh your options closely before deciding to buy or lease a vehicle. Different options provide different incentives, advantages, and disadvantages over time. Compare the opportunities for leasing or buying to your current financial situation to determine which is best for you.


Engarde Financial Group is positioned to educate and serve its clients with other insurance coverages.

We understand that your personal items that you possess are of significance to you. Here at EFG we look at every situation differently. When it comes to your needs there is no such thing as one size fits all. Speak to a insurance professional today so that we can design a policy to cover all the things you love.