Specialized Auto & Recreation Solutions

Targeted Coverage for Passion Assets

At Heil & Heil Insurance Agency, we know that your lifestyle doesn't end where your driveway meets the street. Whether you are preserving an investment-grade classic in your garage, navigating Lake Michigan, or putting miles on your bike, specialized machines require specialized underwriting. Standard, off-the-shelf auto or homeowners policies carry rigid exclusions and depreciation schedules that leave unique recreational property dangerously exposed.

As independent advisors, we understand the distinct storage, structural, and operational realities of your recreational assets. We partner with an expansive portfolio of specialized, A-rated specialty carriers to engineer precise protection programs that insulate your passions, ensuring you can open the throttle or head out of the marina with complete peace of mind.

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Recreational & Specialty Asset Placement

Classic & Collector Car Insurance

An authentic classic, vintage muscle car, or exotic supercar cannot be properly protected using standard auto depreciation models. We structure specialized collector programs based on a true Agreed Value contract guaranteeing that if a total covered loss occurs, you are paid the exact, locked-in collector market value we shook hands on upfront, not a depreciated cash value.

- The Specialty Detail: Our programs are built for enthusiasts, featuring flatbed-only towing extensions to preserve your vehicle's mechanical integrity, flexible mileage tiers for club events and pleasure drives, and choice-of-shop provisions so only trusted specialists handle your restorations.

• Classic Muscle

• Pre-War & Vintage Antiques

• Exotic Supercars

• Numbers-Matching Restorations

Boat & Yacht Insurance

Whether you are launching a center console for morning fishing, cruising the North Shore waterfront, or docking a high-value yacht at the local marina, open water demands rigorous marine liability and hull protection. We look past basic boat templates to structure comprehensive marine programs that protect your vessel from the hull to the helm.

- The Specialty Detail: We manage the critical finer points of marine coverage, including explicit protection for your tender and trailer, fuel spill liability, wreck removal, and high-limit coverage for onboard marine electronics and personal gear.

• Express Cruisers & Runabouts

• Luxury Yachts

• Center Consoles & Tritoons

• Personal Watercraft (PWC)

Motorcycle & Powersports Insurance

Whether you are taking your cruiser out for a weekend run along the scenic blacktop, logging major miles on a touring bagger, or exploring regional off-road trails, your bike demands a standalone protection shield. We make sure your policy treats your machine with respect, ensuring your custom additions, safety gear, and accessories are fully accounted for.

- The Specialty Detail: We engineer standalone structures that deliver robust bodily injury thresholds, comprehensive physical damage tracking, guest pillion liability, and roadside safety programs built specifically for two wheels.

• Cruisers & Custom Bikes

• Touring Baggers

• Off-Road ATVs & Side-by-Sides

• Snowmobiles

The Advantage of Specialty Underwriting

Trying to append a classic car or a luxury boat as a simple, automated line item on a standard household policy often triggers hidden limitations on usage, storage, and valuation. By isolating your recreation assets with dedicated specialty programs, we maximize your coverage features while unlocking distinct multi-policy and mature-driver discounts. Our Skokie-based team manages the total alignment of your insurance portfolio, giving you a singular, seamless shield across every asset you own.