When you are riding the waves, hitting the trails, or exploring the open roads, it’s probably safe to say that insurance is not on your mind—nor should it be. That is your time to enjoy, and you shouldn’t have to worry about insurance. Choosing proper coverage for your recreational vehicle before you take it out of storage for the season allows you to relax and have fun, which is the true definition of recreation.
Insurance protection is available for you, your passengers, and your toys, whether you own an ATV, boat, camper, golf cart, personal watercraft, or snowmobile. Here are a few key items to consider when choosing coverage.
Protect yourself, your passengers, and others:
Depending on state law, insurance coverage may be required for your recreational vehicle
. Proof of insurance should be kept in the vehicle at all times.
Protect your recreational vehicle while it is in use, transit, or storage:
If your recreational vehicle has a loan or lease, the bank may require you to purchase comprehensive and collision coverages and provide proof of insurance.
When insuring your recreational vehicle, don’t forget about the trailer and any other accessories or equipment used with it, such as oars, life preservers, helmets, protective covers, and items inside your camper. These items may have to be specifically listed in your policy for coverage to apply.
It is a good rule of thumb to obtain a separate policy for your recreational vehicle when:
It is also a good idea to maintain year-round insurance for your recreational vehicle to:
Acuity will help you determine the proper ATV, boat, and personal watercraft insurance so you can focus on the adventures ahead. Contact your local independent insurance agent to assist you in insuring your recreational vehicles. Whatever vehicle(s) you choose to drive for fun, be safe and know that Acuity is driven to help if you have a bumpy ride.