Good Recreation Insurance Is The Most Important Tool In Your Safety Kit

The recreational vehicle industry is seeing a steady growth in sales to first time buyers.  There can be a steep and expensive learning curve for those who aren’t prepared.  Having a good Recreation Insurance policy will keep you on the successful track that allowed you to afford that shiny new RV or boat.  A wise man once said “You don’t insure against what you may do accidently.  You insure against what others may do carelessly”

Recreation insurance is similar to auto insurance in many ways.  There are some definite differences as well.  It’s best to use a company that has experience insuring recreational vehicles and gear.  Your quad might be covered, but the rifle that got wrapped around a tree might not.  It’s important to communicate with your insurer about your coverage needs.  A dedicated recreation insurance agent can even make suggestions to help you choose the right policy for your needs.

These are the four types of recreation insurance policies you should know:

RV Insurance  Covers Class A B & C vehicles as well as NON Street Legal vehicles such as quads, dune buggy, and sand rails.  Be sure cover the trailer!!!

Boat Insurance  Covers both motorized and non motorized boats.  Again, remember to check for trailer coverage.

Firearms Insurance  Firearms insurance is an area of insurance once reserved for collectors.  A growing sport shooting population is bringing this once obscure insurance to the forefront of recreation insurance discussions.

Sporting Insurance  This type of insurance is a form of Commercial Insurance.  You need this type of insurance if you buy a campground and have trap shooting or archery.  I mention this type of insurance as it’s often cheaper to buy a campground than a traditional sporting property.

One very obvious question that people decide too quickly is coverage.  Should you opt for full coverage or liability only?  The answer is a definite maybe.  It depends on the age of the equipment, value, and ability to replace.  If you bought a brand new boat or RV, the answer is yes.  If you store your RV on your remote, hard to watch hunting land, the answer is also yes.  A hand me down boat or RV worth only a few hundred dollars is better off being insured for liability only.  Although, if you are going to be traveling with those items, you can opt to raise your coverage just in case.

Most insurance rates for people with a good record are going to be just $30 more per month to have full coverage.  That might seem like an expensive upgrade to recreation insurance for some.  A full coverage policy doesn’t take away the sting of an accident or theft.  I gives you the comfort of knowing a loss isn’t the end of the world for you.