Recreational Vehicle Insurance

With the cost of many recreational vehicles, doesn't it make sense to make sure they are properly covered?  All too often, recreational vehicle enthusiasts rely on their auto policies or home policies to provide coverage.  While some can be added onto an auto policy (motorhomes, travel trailers, etc.), insuring them omits a lot of valuable coverages that are automatically included in a specialized RV policy.  Also, there is a common misconception that homeowners policies can provide coverage for recreational vehicles when in fact homeowners policies specifically exclude coverage for them, both for liability and coverage for the vehicle itself.

 

Motorhome & Travel Trailer Insurance

Most auto insurance companies will let you add a motorhome or travel trailer to the policy, however most often those policies are not designed to handle some important coverages that a specialized RV Insurance policy will provide.  Things like coverage for personal effects, added towing costs associated with towing such a large vehicle, vacation liability, coverage for awnings and much more.  Some RV policies even include pet injury coverage.  So go ahead, hit the road and relax with the peace of mind that your special RV has coverage that is just as special. 

Off Road Vehicle Insurance

The most common misconception about off road vehicles is that they are covered under homeowners policies.  All homeowners policies not only exclude them from property coverage (meaning it does not pay for them if they are damaged or stolen) but they are also excluded from liability coverage and medical payments coverage.  So if someone is injured from riding or being struck by the vehicle, there is no coverage for medical bills.  This coverage gap is easily handled though an inexpensive off-road vehicle insurance policy. 

Segway Insurance

Segways are a fun, easy and relaxing way to get around, especially in the city.  Unfortunately, like most vehicles of any type, Segway's are excluded from coverage on homeowners policies.  Fortunately, Segway insurance can be purchased for a relatively low premium and provide coverage for both the Segway itself as well as liability should a pedestrian be injured by your Segway.

 

For more information about these and other coverages contact us. 

For a quote, please visit our quote center.