A recreational vehicle can be so much fun! As the summer season comes to an end and we move into fall many of your will put away your recreational vehicles (toys). You will possibly be winterizing your boat to store it for the winter. However, the fun is not over for a lot of you. While some recreational vehicles are seasonal, many are not.
What is a recreational vehicle?
A recreational vehicle is a vehicle used for recreational purposes. You may have one of these or may be thinking of getting
one soon. Here is a list of some recreational vehicles that you may have at your home:
- Motorhomes (RV)
- Golf Carts
- Dune Buggies
Regardless of which vehicle(s) you might have you will want to be sure to take inventory and get a list of them ready!
Do you have a recreational vehicle?
When you enjoy the outdoors you more than likely have one of the vehicles listed above. If you do have one, is it listed on your insurance policy? Did you know they needed to be on your insurance?
Take a moment and think about your recreational vehicles. Did you purchase a new one during the quarantine or maybe you sold one? Life gets busy and it is easy to forget too call your agent. So take a moment, make the list mentioned above and call your agent now if you have a vehicle not listed on your policy currently.
Why does it matter?
Recreational vehicles are lots of fun, but accidents do happen so we want to make sure you are covered. Every policy is a little different so make sure you know if you have coverage on and off premise (on your property and off your property). You will want to be sure that you have liability coverage for everywhere you drive your vehicles and coverage for damage to the actual toy.
For example if you have an ATV/UTV that you only drive on your land. It never leaves your property for any reason then off premise liability may not be as important to you. If you have an ATV/UTV that you drive down the road or take to ride trails or go to campsites with you then you will absolutely want to make sure you have off premise liability on your policy. This goes for all of your recreational vehicles.
Another coverage that you want to make sure to include would be for personal property you keep on or in your recreational vehicle. So if you fish on your boat and have a lot of fishing gear you will want to make sure that is covered. Fishing gear can include pools, fish finders, holders, extra motors and so much more. If you have added to your fishing or camping gear this year please let your agent know so you have the coverage you need and want!
At the end of the day we always want you to have the coverage you both need and want. A weakness we see often in policies is forgetting to add recreational vehicles or keeping the list of vehicles and property up-to-date. It can and does change frequently for some people. We hope you are enjoying your toys and being safe as we transition from summer to fall.