Summer is fast approaching, and many of us are daydreaming about our summer adventures involving our favorite recreational vehicles, such as motorcycles, all terrain vehicles, motor homes, personal watercraft, and boats. You wouldn’t dream of hitting the road without your auto insurance, but do you have boat insurance to cover any potential hazards on the water? What about your other summer toys? Now is a great time to make sure your summertime toys are properly covered before heading out on your first summer adventure.
A Policy for Every Toy
Many people lack coverage for their toys, not because they don’t want Jetski or four-wheeler policies, but because they don’t realize that there is coverage available that will help protect those items or they believe their homeowners policy provides coverage. In reality, the coverage provided by homeowners policies is limited and leaves gaps in coverage. Fortunately, there’s a policy that will help cover your summertime recreational vehicles and toys, including:
Boat Insurance
If you’re going to be hitting the lake this summer, personal watercraft insurance is a good idea foryour boat or Jetski. Boat insurance can cover the following:
- Liability Coverage will help protect you if you get into an accident with another person or boat and are found to be at fault.
- Physical Damage Coverage can help protect your actual boat if it sustains damage. It covers the boat itself, motor, and trailer.
- Medical Payments Coverage can help cover the associated medical costs if someone gets hurt in a boating accident.
Just like auto insurance, there are different types of boat insurance. Coverage limits can vary as well. We can make sure that you are prepared to go out on the water this season.
RV Insurance
If you are planning on using your RV, then you should have RV insurance. RV insurance differs from personal auto insurances. Since your RV doubles as both your car and your home, the insurance for it needs to complement this duality.
Just like car insurance, your RV insurance is there in the event of an accident. RV insurance can help cover things like:
- Damage to your RV
- Damages that you cause
- Uninsured drivers
- Medical payments
- Roadside assistance
- Total loss replacement
Your RV insurance can also differ by the type of RV you have. RVs have different classes and your insurance will need to reflect that. We will make sure you have the right type of coverage for your specific RV, so you can stay safe on your summer adventure!
Motorcycles and Off-Road Vehicles
While Motorcycles, ATVs, dirt bikes, and other off-road vehicles can be fun to ride around on, the chances of an accident are much higher. Even if insurance is not required to ride an ATV or dirt bike, having insurance is a good idea. Insurance can help protect you financially if something were to happen. These are some of the types of insurance you can get for your Motorcycle and off-road vehicle:
- Motorcycle insurance
- Dirt Bike Insurance
- ATV Insurance
- Side-by-side Insurance
- 4WD Insurance
- Go-Carts
Why Get Insurance?
Getting your summer toys covered doesn’t have to be a big headache. Our team at Dowd Insurance will find the right insurance coverage for your specific summer needs. There are several things to consider when making a decision on whether or not to purchase insurance for your recreational vehicles, including:
- Weather disasters can ruin your favorite summer recreational vehicles, putting a damper on your summer fun
- Kids and adults playing on four-wheelers, Jetskis, and other toys can end up injured–which can leave you facing a liability lawsuit
- If an accident happens, medical bills and damage to physical property can cost a fortune. Having the right insurance coverage in place will protect you and your family.
Get A Quote Today For Your Summertime Toys
Contact us today for more information on how to properly cover your summer recreation vehicles. We want to find you the best coverage at the best price for your specific situation.