Owning a boat or an RV will level up family fun, especially during summer. However, accidents can happen even to the most cautious vehicle owner. This is where boat and RV insurance comes in. With insurance coverage, you can rest assured that your prized vehicles are covered in the event of an accident. Whether you already own a boat or an RV, or you’re about to buy one, here are the top reasons to get a separate policy for each.

3 Reasons to Get RV & Boat Insurance

1. Coverage for Injury Expenses

It’s not uncommon for boats to collide with swimmers or for RVs to roll over during a long night of driving. However, if someone gets hurt after an accident, liability coverage protects you from having to pay out-of-pocket for the expenses incurred by the injury. Most liability policies will cover the injured party’s medical bills and even time missed from work. Though most states do not require this type of policy for a recreational vehicle, it’s worth having it nonetheless.

2. Coverage for Damage to Property Expenses

Paying for damages to a property can burn a hole in your pocket if you don’t have coverage. Depending on your policy, you can get coverage for causing damage to structures, another vehicle, and wreckage removal or towing. Keep in mind that even with insurance coverage, you’ll still pay for damages that are beyond your policy limits.

3. Coverage for Theft or Damage

Purchasing and maintaining specialty vehicles isn’t cheap. You will want to protect your investment for as long as possible, and acquiring a sound policy is an excellent way to do this. Insurance comes in handy for events that result in damages and financial losses like theft, vandalism, or weather phenomena. A trustworthy insurance agent will help you decide which policy is the best fit.

RVs and boats can significantly improve your quality of life, but when you get into an accident, those prized vehicles could be a source of financial strain. Taake Insurance Agency LTD in Columbia, IL, takes the risk out of owning a boat or RV. This dedicated insurance agency has helped clients for over 40 years find the perfect plan. They serve clients throughout Monroe County, offering life, health, and auto insurance as well as business and commercial coverage. Visit their website to learn more about the agency, or call (618) 281-7656 to schedule an appointment today.