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Are Your Recreational Vehicles Covered?

May 18, 2017

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While enjoying the great outdoors this summer, don’t let the unexpected catch you off guard.

Before you hit the water or open road, make sure you have the right coverage in place.

What are Recreational Vehicles?

The term “Recreational Vehicle” is a broad term that includes Boats and Watercraft (like Jet-skis), Off-Road Vehicles (like ATVs), Motor Homes, Travel Trailers, and 5th Wheels.

Boats & Watercraft

Protect your fun investment with coverage that’s designed with the boat lover in mind. Not with some standard coverage or add-on to your Homeowners insurance.

What to look for in Boat & Watercraft Coverage

Transport Trailers: Getting to and from the fun should be properly insured/cover too. Make sure any trailers you use to transport your toys have proper coverage.

Emergency Services: Can reimburse you for any towing expenses you incur if your vehicle becomes stranded or disabled.

Wreck Removal: Can pay for reasonable expenses for attempted or actual raising, removal or destruction of the wreck of your boat when damaged by an insured loss or as required by law.

 Off-Road Vehicles

Off-Road Vehicles include Dirt Bikes, Dune Buggies, Golf Carts, 4 Wheel & 6 Wheel ATVs, Snowmobiles, Go Karts, and other recreation vehicles.

Most people believe that their homeowner or auto insurance policy will cover their recreational vehicles, but those policies either provide little, if any, of this type of specific insurance. An off-road vehicle policy is the best way to ensure the protection of your vehicle, whether it is in current use or storage.

What to Look for in Off-Road Coverage

Year Round Coverage: Is your vehicle covered even “during off season?”

Safety Apparel Coverage: This coverage can protect against damages to safety apparel, including helmets and goggles.

Towed Trailer & Transport Trailer Coverage

Collision Cover and other Than Collision Coverage

Increase Limits on Liability: For the protection of third parties, liability can cover the costs of property damage and bodily injuries. It could also cover any legal fees that incur following an accident.

Motor Homes

There’s a misconception that an auto policy is good enough to cover a Motor Home. But auto policies don’t include liability insurance for when the motor home is parked and used as a residence, or coverage for attached accessories like awnings, antennas, roof-top air conditions and satellite dishes.

What to look for with Motor Home Insurance

Emergency Expenses Coverage:  This will cover lodging or travel home expenses if your rig is damaged or destroyed by a covered loss more than 50 miles from home.

Campsite/Vacation Liability Coverage: This provides liability coverage when you are parked and using your motor home as a residence.

Total Loss Replacement Coverage: Can protect your motor home from the effects of depreciation in the case of a total loss claim.

Things to Ask Your Agent

Are my associated supplies and trailer covered?

Do I get discounts for completing safety courses?

For boats: Am I covered for both inland and ocean boating?

Are there any exclusions or exceptions in my area / for my use?

Are younger operators covered?

Will I receive the Actual Cash Value or Replacement Cost if my vehicle is totaled?

Get in Touch

Wherever you roam this summer, make sure you’re covered.

Have questions about your coverage options? Get in touch today through the quick form below!

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