With recreation insurance you and your loved ones are protected from the worst case scenarios
If you have a motorcycle, jet ski, boat, RV or travel trailer, you’re aware of the potential risks that come with the big toys. If someone else was hurt on your boat, do you have a policy that protects your assets from bodily harm or injury liabilities? One accident without the right insurance coverage could mean devastating costs, huge stress, and potentially losing your recreational vehicle. Without a policy you could be expected to cover the costs. For the best peace of mind, a simple recreation insurance policy will ensure that you won’t be at risk. Your policy protects you from being held liable for costly damages.
Jet Skis – These items are fast and fun and you probably have no liability coverage under your homeowner’s policy. You need to buy a personal watercraft policy and umbrella policy if you own a personal watercraft. Be careful, not all umbrella policies cover your personal watercraft.
Boats – You have some limited coverage on your Homeowner’s policy for damage to your boat, but sinking and banging the dock is not covered. You also have limited coverage for liability as long as the boat is a sailboat under 26 feet or your boat has an outboard motor less than 25 horsepower. If you rent a sailboat under 26 feet or a boat with an outboard motor you have some liability coverage from your homeowner’s insurance. Why risk having limited or no coverage? Purchase a boat policy for your boat.
Motorcycles – If you own a motorcycle, your auto and homeowner’s policy provide no coverage. You need to purchase a motorcycle policy or recreational vehicle endorsement.
RV – protects your RV from theft, vandalism, windshield damage, acts of nature, rocks and debris kicked up by other vehicles, and accidents/impact with animals. A deductible applies.
Collision covers damage to your RV if you’re in an accident and hit another vehicle or object, regardless of fault. Bodily injury and property damage liability pays for damage or injuries you cause while driving your motorhome. It also covers legal fees that may result from the accident. In most states, this is the only required coverage.
Life is about more than just work, if you have a motorcycle, boat, jet skis, RV, or travel trailers, you know that. While we know that you love taking fun to the max, we don’t want you to miss out on making more memories with your friends and family, doing the things you enjoy, because you didn’t have the right protection.
Ash Emrich 