Not all vehicles fall under your standard auto insurance policy. If you own a recreational vehicle; you will most likely need to purchase an additional policy specific for that vehicle. There are many different types of recreation vehicles which require special coverage. Some of these include Motor homes/RV’s, travel trailers, toy haulers, motorcycles, ATV’s, and boats and personal watercraft.
Motor Home/RV: Although you can cover your motor home under your regular auto policy; it is not a good idea. Your regular auto policy has many gaps in coverage. Click here to see a list of benefits compared between a regular auto policy and a motor home/RV policy.
Travel Trailer Insurance: In order for your trailer to be properly covered; you’ll need to purchase a separate travel trailer policy. A travel trailer insurance policy will cover you for damages resulting from collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches, theft or lightning.
Toy Hauler: Before you take your next road trip; make sure your toy hauler is properly covered. Purchase a special toy hauler policy to ensure all your valuables and toys are properly covered.
Motorcycles: Motorcycles are typically not covered under your standard auto policy. You will need to purchase a motorcycle insurance policy to make sure you are adequately covered. Make sure to have enough protection to cover you and anyone who may be riding with you.
All Terrain Vehicles (ATV’s): Although many ATV’s remained uninsured, it is a very smart idea to purchase a special policy for your ATV. Unfortunately, ATV accidents are common and serious injuries can occur. It is critical to make sure you are properly covered when riding on an ATV.
Watercraft/Boat Owners: In most places insurance is required for any personal watercraft. The penalties for being caught on the water without boat insurance can be the same or even worse than an automobile. It is very important to purchase the right kind of coverage for your boat. This type of insurance will usually cover your watercraft whether it is in the water or on your trailer.
Adding these coverages can really save you some headaches in the event of an accident. Remember, it is always better to be over-insured than under-insured.
This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.