Recreational Vehicle Insurance
Recreational Vehicle Insurance Information
Recreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way. Just because some of these vehicles are associated with playtime, that doesn't mean they don't need 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.
What do we consider recreational vehicles? Motorcycles, atvs, golf carts, snowmobiles, rvs, motorhomes, jetskis, boats - just to name the most common types of recreational vehicles.
Liability Insurance for Recreational Vehicles
Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance. 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.
After you've considered the potential liabilities you are exposed to while operating a recreational vehicle, it's time to secure coverage for the value of the vehicle itself. Recreational 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.
Thank you for interest in Insurance by the Woods. With over 30 years of experience and expertise, you can trust that we will find you the best coverage and the best rates. Please feel free to call our office at 888.498.8726 or email us your questions and an insurance professional will reply promptly.
Insurance by the Woods is proud to insure residents and businesses in: The Dalles and Hood River as well as Onalaska, Chehalis and Dallesport and throughout Oregon and Washington.