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The onset of summer is a popular time for taking road trips in an RV, heading out in the family boat, or hitting the road on a motorcycle. Before you start to enjoy your favorite kind of summertime recreation, make sure you have an RV, boat or motorcycle insurance policy, since these items aren’t covered by a standard car insurance or property insurance policy. Trust K.L. Smith Agency of Willimantic, CT, to help you find the right policy for your needs when it comes to your recreational vehicles. 

RV Insurance

Although an RV may feel like a second home, it is technically a vehicle. An insurance company will issue a policy to provide coverage in lieu of a property insurance policy. Most standard auto policies do not provide a sufficient amount of coverage and may leave gaps, so consider options like campsite liability, higher liability limits, emergency expenses, and the replacement cost of personal belongings. 

Boat Insurance 

Even when a boat is kept in tip-top condition and safety precautions are followed, unexpected accidents can occur. Boat insurance can provide coverage for a sailboat, motorboat, or personal watercraft in the event of damage or theft. It may also provide protection from accidental damage. 

Motorcycle Insurance

motorcycle insuranceA basic motorcycle insurance policy will provide coverage for damage that can occur on the road. This policy will also provide compensation in the event property or another person is harmed or sues you due to an accident. Additional riders can be added to the policy to create a more comprehensive plan that will replace the current value of your bike or even protect against under-insured motorists. 

When you need RV, boat, or motorcycle insurance, contact K.L. Smith Agency to discuss your personal needs by calling (860) 423-9294. You can also visit their website for a full list of insurance coverage choices for all of your needs.

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