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Recreational vehicles offer fun, freedom, and adventure, but they also come with financial risks if something goes wrong. That’s why recreational insurance is essential. It can protect your grown-up toys from accidents, theft, damage, and liability risks. Here are some types of vehicles that recreational insurance can cover.
RVs and Motorhomes
RVs are like homes on wheels, making them a significant investment. Insurance can cover physical damage, personal belongings inside the RV, and liability if you cause an injury or property damage.
Whether you take occasional road trips or live in your RV seasonally, specialized coverage keeps you and your RV protected on the road. Coverage can also protect your RV if you’re storing it during Southeast Michigan’s harsh winter.
Boats and Watercraft
Boats, sailboats, and yachts require more than just basic coverage. Recreational insurance can help pay for repairs, towing, fuel spills, and even accidents on the water. Many marinas and lenders require proof of insurance, making it essential for responsible ownership. We at Altas Insurance Agency can help you find a policy that meets any minimum coverage requirements.
Personal Watercraft
Jet skis and wave runners are fast and fun, but high-risk. Personal watercraft coverage protects you from accidents, injuries, and damage. It’s like boat insurance but for these particular types of watercraft. Make sure your policy covers however many riders your watercraft can seat.
ATVs and Four-Wheelers
Off-road vehicles like ATVs, four-wheelers, and side-by-sides are often used on trails, farms, and hunting grounds. These vehicles aren’t covered by auto or homeowners insurance, so a separate recreational policy is needed for collision, theft, and liability.
Insure Your Grown-Up Toys
At Atlas Insurance Agency, serving Southeast Michigan, we help you build the right coverage for all of your toys, whether they’re on land, water, or off-road. If you’re in Southeast Michigan, contact us for help finding recreational insurance that’ll protect what you like to use.