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Summer is on the way, which means it’s almost time to break out the ATVs, jet skis, boats, and motorcycles. Whether you plan on hitting the highway, taking to the trails, or spending the season out on the water, make sure your recreational vehicles are covered to keep you protected in any situation. Here are a few reasons to talk to an insurance agent before taking your new toy out for the first time.

The Importance of Insuring Your Recreational Vehicles

Protection From Risks

insurance agentATVs and jet skis are exciting, but not without risk. Even at relatively low speeds, an accident can cause hundreds or thousands of dollars in damage. You or someone else could also sustain injuries, which you would be responsible for if you caused the accident and don’t have coverage. Your insurance agent will put together a policy that protects you from these risks, taking the worry out of your summer fun.

A Variety of Options

Like your auto insurance policy, recreational vehicle insurance includes a variety of coverage options. Liability insurance will cover the cost of any damage you might cause, while property insurance pays for necessary repairs to your vehicle. Some policies include provisions to protect your vehicle while it’s parked in your driveway or storage unit, keeping it safe at all times. Uninsured motorist coverage even compensates you for damage caused by someone who doesn’t have insurance.

Satisfying Lender Requirements

If you financed your recreational vehicle, your lender will probably require you to carry at least enough coverage to pay off the loan if something happens to the unit. Even if it isn’t mandatory, insuring your vehicle gives you the peace of mind that no sudden costs will put you in debt in the middle of the summer.

 

Getting the protection you need for your recreational vehicles doesn’t have to be complicated. The insurance agents at Northwoods Insurance Agency are committed to helping residents of the area of Crandon, WI  protect themselves from the unexpected. As well as auto insurance, they provide policies for business, homeowners, life, renters, liability, and property insurance. Visit their website to see what their insurance agents offer, follow their Facebook for news and updates, and call (715) 478-2215 to request a quote.

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