Owning a recreational vehicle can be fun, especially during the summer—the season of adventures. However, many people are unaware that these sweet rides are not sufficiently covered by regular auto insurance protection. Instead, they require their own separate policies. While these tend to include liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage—just like car insurance—the guide below looks at some other unique qualities they possess.

Types of Specialty Vehicle Insurance You May Need

1. RVs

While RVs do operate as cars, they also function as separate homes. As a result, RV insurance usually includes coverage for the personal belongings you keep inside yours in case of theft or disaster. Some providers also offer emergency expense allowance, permanent attachments coverage, and campsite liability. Others allow RV owners to opt for a seasonal policy, so they will be charged during the time of the year they keep their RV in storage.

2. Golf Carts 

Standard auto policies won’t cover golf carts. However, home insurance will if the accident happens on your property or at the golf course. That being said, if you have a speed-modified cart you plan to drive on public streets or around a private community, a special policy is needed. Unlike auto insurance, golf cart policies include a provision for guest passenger liability to cover passengers injured in a collision.

3. ATVs 

ATVs are heavy off-road machines capable of reaching up to 65 miles per hour. Whether you use one for recreation, farming, business, or racing, it’s important you’re adequately insured. All-terrain vehicles are prone to rollover accidents and also have a high theft rate. While your home insurance policy may offer limited ATV coverage, this typically won’t extend off your property. Additionally, most ATVs have enhancements, upgrades, and custom parts that require special equipment coverage.

If you need assistance determining how to properly protect your recreational vehicles, turn to Accredited Insurance Group. They offer a wide range of specialty products, making it convenient for clients to take care of all their coverage needs in one place. For more than 25 years, they have helped residents in and around Omaha, NE, find quality protection at a competitive price. Call (402) 334-1780 to request a quote, or visit them online for more information about their services.