With the weather turning warm, people everywhere are breaking out their favorite summer "toys," including recreational vehicles (RVs), boats, motorcycles and all-terrain vehicles (ATVs).
It is best to look into policies designed specifically for each.
RV Insurance
Insurance coverage for RVs such as travel trailers, motor homes, fifth wheels, and truck campers offer protection that ordinary auto insurance does not offer. Here are a few reasons to consider RV insurance in addition to your auto insurance policy:
- Roadside Assistance: Even if your auto policy covers some roadside expenses, it may not cover that big, heavy RV - leaving you to pay the bill.
- Financial protection: Insurers that offer RV coverage frequently include claims representative to RVs, including specialized RV parts like awnings, slide-out stairs and appliances.
- Personal Property Protection: Your "home away from home" probably houses things you will not keep keeping your cars as camcorders, laptops and jewelry, which may not be covered under an auto policy.
- Protect Your Investment: RVs are expensive! It's best to carry "full replacement cost coverage" to ensure payment in full if the vehicle is irreparable, rather than reimbursements based on current market value.
Boat Insurance
I do not want to coverage similar to similarly to auto policy, including protection for:
- Bodily injury that your boat inflicts on others.
- Property damage your boat inflicts on docks and other boats.
- Physical damage to your boat, should you hit something or run aground.
Uninsured boater insurance (like uninsulated motorist insurance) and even "boatside assistance" in case you need a tow.
Motorcycle Insurance
Motorcycle insurance is essential - and like car insurance, can vary in price depending on the type of bike you ride. Insuring a high - performance sports bike at least more covering a lower - powered bike, scooter or moped.
Comprehensive coverage, bodily injury liability coverage, property damage liability coverage, uninsulated motorist insurance, and roadside assistance (to cover damage to your bike generated from an accident) .
