Recreational Insurance

Recreational insurance is a type of insurance coverage that is designed to protect individuals who own and use recreational vehicles, such as boats, RVs, ATVs, motorcycles, and snowmobiles. This type of insurance can provide coverage for a range of risks that are unique to recreational vehicles and activities, such as accidents on the water or off-road collisions.

One of the most common types of recreational insurance coverage is liability insurance, which can provide coverage for injuries or damages that you may cause to others while using your recreational vehicle. This can include coverage for medical expenses, property damage, and legal fees.

In addition to liability insurance, many recreational vehicle owners choose to purchase additional coverage such as collision insurance, which can provide coverage for damages to your own vehicle in the event of an accident. Other types of coverage may include comprehensive insurance, which can provide coverage for non-collision events such as theft or vandalism, and uninsured/underinsured motorist coverage, which can provide protection if you are involved in an accident with an uninsured or underinsured driver.

Recreational insurance policies can be tailored to meet the specific needs of the individual, depending on factors such as the type of vehicle, how it is used, and the level of risk involved. Some policies may also include coverage for personal belongings, towing and roadside assistance, and other related expenses.

Overall, recreational insurance can provide valuable protection for individuals who own and use recreational vehicles, helping to safeguard against financial losses and other risks associated with these activities. It’s important that we carefully review the coverage options and terms of your policy with you, to ensure that it meets your individual needs and provides adequate protection.

What Does Recreational Insurance Cover?

Those who own campers, ATVs, and other off-road vehicles may sometimes shy away from recreational insurance because of the confusion surrounding such plans. It can at times be a complicated matter since recreational vehicles can be insured through either your homeowner’s or auto insurance policies. At Hometown Insurance Agency, we can help you work through the red tape and find the right plan to insure your off-road sports vehicle or RV.

What does recreational insurance cover when attached to a homeowner’s insurance policy?

Generally, you can only insure your recreational vehicle along with your home if the automobile is not used on public highways. A camper that you often take on road trips across the country would likely not qualify for coverage. The positive thing about having an indemnity plan for your RV included with your homeowner’s policy is the level of coverage you receive. Everything from medical bill payments to general liability for at-fault instances is taken care of under such plan.

What does recreational insurance cover when attached to an auto insurance policy?

Perhaps the most familiar way to insure your recreational automobile is through a traditional vehicle insurance plan. As with coverage for your everyday car or truck, a recreational policy pays for physical damage to your off-road vehicle if it is involved in an accident or stolen. You will need to obtain full coverage to reap the benefits of coverage for things such as vandalism theft, and damage caused by falling objects such as tree branches. In the unfortunate event of an accident, a recreational insurance plan attached to your standard auto insurance policy may cover: Bodily Injury, Property Damage, and Medical Payments.

You should not bypass recreational insurance because you do not understand all of the details. Let us at Hometown Insurance Agency help you get to the bottom of things with an explanation of options and a quote!