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Recreational Vehicles Insurance
If you love the great outdoors or being on the go, chances are, you probably have a recreational vehicle—or two. But, are they properly insured?
If you have any type of recreational vehicle, including a motorcycle, RV, boat, or off-road vehicle (e.g., ATV or snowmobile), you’ll need to secure additional insurance to properly protect your investment. Determining what and how much coverage you need can be tricky, but that’s why we’re here to help. Michael Noe Insurance Agency is dedicated to helping you secure adequate and affordable insurance for your recreational vehicles. Contact us at 205-333-7133 today to learn more.
What Does Recreational Vehicle Insurance Cover?
“Recreational Vehicle Insurance” is a general term that the insurance industry uses to refer to a variety of policies used to insure vehicles like boats, motorcycles, RVs, ATVs and travel trailers. Each specific policy covers something different. See below for more information.
What Does RV Insurance Cover?
RV insurance will include protection matching the driving and property risks associated with your vehicle. Some of the coverage you might need to carry includes:
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Collision Insurance: Covers damage to your own vehicle after a wreck.
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Comprehensive Insurance: Pays for vehicle damage from non-accident mishaps, like weather damage.
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Medical Coverage: Pays for your medical bills and those of your passengers.
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Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
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Campsite and Vacation Coverage: Covers liabilities associated with using the RV as a vacation property.
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Full Time Residence Insurance: If you live in the RV permanently, turn to this coverage.
Other coverage offers help for roadside assistance, rental car coverage, and expenses protection like emergency hotel bills.
What Does Boat Insurance Cover?
Boat insurance offers numerous types of coverage, including:
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Physical Damage: This covers the boat and its attached fittings and fixtures from fire, theft, vandalism, wind, hail and collision.
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Medical Payments: This covers medical expenses for the policyholder and their passengers after an accident.
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Liability Insurance: This covers bodily injury and property damage the boater may cause to someone else in an accident.
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Guest Passenger Liability Insurance: This covers expenses if a permissible passenger causes an accident while operating the boat.
Your plan can also contain a host of other benefits like:
What Does Motorcycle Insurance Cover?
You may be wondering how motorcycle insurance works, Motorcycle insurance offers a diversity of benefits, which will offer you protection against any number of challenges that might arise:
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Comprehensive coverage: This provides compensation if the motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind.
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Collision coverage: This provides compensation if the motorcycle is damaged or lost due to collision with another vehicle or object.
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Liability insurance: This covers bodily injury and property damage the insured biker may cause while operating the vehicle.
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Personal Injury Protection (PIP): This insurance helps with medical expenses for the driver and their passengers in case of an accident, no matter who is at-fault.
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Guest passenger liability insurance: This coverage steps in if a guest driver causes an accident while operating the motorcycle with the owner’s permission.
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Uninsured/underinsured motorist insurance: This insurance steps in if the insured vehicle is involved in an accident with a driver not carrying insurance.
Other benefits that you can also use to your advantage include:
What Does Off-Road Vehicle Insurance Cover?
The typical off-road vehicle (e.g., ATV, golf cart or snowmobile) policy includes the following coverage:
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Comprehensive coverage: This provides compensation if the off-road vehicle is damaged or lost due to fire, theft, vandalism, hail or wind.
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Collision coverage: This provides compensation if the off-road vehicle is damaged or lost due to collision with another vehicle or object.
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Liability insurance: This covers bodily injury and property damage the insured driver may cause while operating the vehicle.
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Physical Damage: This covers the off-road vehicle and its attached fittings and fixtures from fire, theft, vandalism, wind, hail and collision.
Other benefits that you can also use to your advantage include:
Is Recreational Vehicle Insurance Required?
Depending on the type of recreational vehicle you own and where you live, you may be legally required to obtain insurance for your vehicle. For example, most RV and motorcycle owners must obtain at least the minimum motor vehicle insurance required of all drivers in their state of residence.
A Michael Noe Insurance agent can help you determine what your legal obligations may be and secure a policy to help you meet those obligations.
How Much Does Recreational Vehicle Insurance Cost?
The cost of your recreational vehicle policy will vary based on the vehicles you are insuring, the value of those vehicles, your location, driving record and scope of the policy you select. Contact Michael Noe Insurance Agency today to discuss your unique insurance needs and obtain a custom quote.
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