Recreational Insurance: What it Covers for You

Exploring the coverage offered by recreational insurance.

If you own ATVs, campers, off-roaders, or other recreational vehicles, then it’s vital that you secure the protection that only recreational insurance can offer.  While most recreational vehicle owners recognize the importance of this coverage, many avoid getting a policy because they do not know where to begin.  Here’s what you need to know about the coverage offered by recreational insurance and how you can secure it.

Securing Recreational Insurance

First, it’s important to understand that you have the option to insure your recreational vehicles through your homeowners or auto insurance policies.  This is accomplished by adding a recreational vehicle endorsement or indemnity plan to either of these personal policies.  However, your coverage will differ depending on which policy you add the endorsement to.  Here’s what recreational insurance will cover when added to your homeowners policy versus what it will cover when added to your auto policy.

Recreational Insurance and Your Homeowners Policy

Usually, you can only insure recreational vehicles on your homeowners policy if they are not used on public highways.  This means that a camper you use to travel the country would not qualify for coverage under your homeowners insurance.  The main benefit of insuring your recreational vehicle under your home policy is the amount of coverage that you receive.  Under your homeowners insurance, you will have coverage for medical payments, the personal property you keep in your vehicle, and general liability claims.

Recreational Insurance and Your Auto Policy

Securing coverage for your recreational vehicle via your auto policy is the most common insurance tactic.  Under your auto insurance, you can secure the same coverage as you have for your car.  This means that your recreational vehicle will have coverages such as:

  • Bodily injury
  • Property damage
  • Collision
  • Comprehensive
  • Umbrella
  • Medical payments
  • Personal injury protection

This is what you need to know about the coverage offered by recreational insurance.  Are you ready to secure the right coverage for your recreational vehicles?  If so, then contact the experts at Powersports Insurance Agency.  Our dedicated team is eager to assist you with all your motorsports equipment insurance needs today.

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