You've worked hard and have rewarded yourself and your family with the toys you deserve.


Let us help you protect those rewards with just the right coverage for your needs.


We specialize in insurance for all your toys. Not the everday car, but that special bike, ATV, boat/watercraft or RV that rewards you every time you take it out.


Going for a ride with friends is fun whether on your motorcycle riding down the highway or through the woods and fields on an ATV or dirt bike, or jet skiing and boating on the lake, but remember what you do may not be the problem when you are sharing the road, terrain, or waterways with others. Lumpkin's Insurance & Associates will work with you to configure the right insurance protection for your specific needs. Some of these unique coverages may help.


  • Sign & Glide® On-Water Towing: Offers one-stop assistance to dispatch the tow operator, provide you with an ETA, and then pay the tow operator directly once service has been provided. There are no out-of-pocket expenses for our customers. This is an industry first, with no clubs to join or membership fees to pay.
  • Propulsion Plus® Coverage: Provides coverage for the outdrives of outboard and sterndrive (inboard/outboard) motors in the event of a mechanical breakdown, another industry first!
  • Trailer Trip Interruption: For mechanical breakdown or accident that occurs more than 100 miles from insured's residence, money for food, hotel & transportation can be secured.
  • Total Loss Coverage for PWCs: We will pay MSRP for a new, current model year replacement in the event of a total loss. Most carriers don't offer a replacement benefit for Personal Watercraft.
  • No Marine Surveys Required: Save our customers money and make it easier for us to quote and bind on the spot. Many carriers may require this expensive and inconvenient process.
  • No Depreciation on partial losses when most other carriers follow a depreciation schedule.