Insurance for Your Outdoor Toys

Category: Personal Insurance

Most American households have at least one outdoor toy. Whether yours owns an RV, boat, personal watercraft, ATV, snowmobile, dirt bike, golf cart, two or more, or all of the above, you want to protect those investments with an insurance policy as adventurous as your vehicle. Those who enjoy off-roading with the ATV, hitting the road with nothing but a map and plan in the RV, or discovering little known wonders in the wilderness with their snowmobile most likely don’t mind taking a few risks. After all, those engines have a fourth gear for a reason, right? But riding, driving or boating without insurance is far too risky, even for a thrill-seeker like you.

According to the U.S. Coast Guard Office of Boating Safety, hundreds of people are killed and thousands more are injured each year in boating accidents. In colder climates, snowmobiling accounts for nearly as many deaths and injuries each winter. Although heading out to the lake in your motorhome is likely less hazardous, RV ownership comes with its own set of liability risks and a single accident can cause thousands of dollars in damage to your vehicle.

Insurance requirements for these types of recreational vehicles vary significantly from state to state. Likewise, policies can differ significantly between insurance company to company. An ATV rider in Washington may have far different insurance needs than a snowmobiler in Minnesota.

Some aspects of outdoor toy insurance are universal, however, such as the ways in which you can save on your premiums. Those include: keep a clean, claims-free driving record; complete any safety course offered for your specific vehicle or vessel; store your vehicle in a locked garage when not in use; and bundle the various policies, if possible.

Our agents can help identify your insurance needs for however many outdoor toys you own. We are able to locate several quotes with a variety of coverage options from a number of RV, motorcycle and boat insurance providers, ensuring the policy you buy will offer the best coverage at the most affordable rates. Contact us to find the perfect insurance policy or policies for all your outdoor fun needs.

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