Recreational Vehicle Insurance

Power sports vehicles can provide maximum fun but still require the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities.

Liability Insurance for Power Sports

Your recreational vehicle is just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. You should secure liability insurance to cover any damages you may inadvertently inflict. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.

Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.

Property Coverage

Power sports vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.

In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.