RECREATIONAL

Recreational Insurance includes many types of insurance policies, from boat and motorcycle to ATV/snowmobiles and RVs. This type of item is used purely for personal recreational purposes. 

Recreational Insurance can be confusing. Here are a few descriptions of some of the coverages, so you can make a better decision about your policy. For a more complete list of insurance terms, please click the link below.

Motorcycle
RV
ATV/Snowmobile
Watercaft
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Motorcycle

Motorcycle insurance covers much the same as Personal Auto Insurance, only in application to a motorcycle (for a description on Personal Auto Insurance, please click HERE). However, Motorcycle policies may also include Passenger Liability and Accessory Coverage. Descriptions of these two coverages are listed below. 

Passenger Liability

In case of an at-fault accident, Passenger Liability coverage covers the same as general liability, but in application to your passenger.

 

Accessory Coverage

Accessory Coverage, after comprehensive and collision, takes care of what is not standard equipment on your motorcycle (modifications, saddlebags, windshield).

RV

RV insurance is very similar to Personal Auto Insurance, and contains many of the same coverages, only in application to RVs (for a description on Personal Auto Insurance, please click HERE). The defining feature for RV insurance is its option to add Personal Property coverages to the policy.

ATV/Snowmobile

An ATV or Snowmobile, when used for recreational purposes, might be insured one of a few ways. It might be added to the owner's homeowner policy, or insured separately on its own policy. When insured on its own policy, the coverages are very similar to a Personal Auto policy (for more information on Personal Auto Insurance, click HERE). In addition, it is possible to insure the ATV/Snowmobile on a replacement cost basis.

Watercraft

Boats, inboard, outboard, inboard/outboard, and personal watercraft such as jet skis and waverunners, when used for recreational purposes, might be insured one of a few ways. It might be added to the owner's homeowner policy, or insured separately on its own policy. When insured on its own policy, the coverages are very similar to a Personal Auto policy (for more information on Personal Auto Insurance, click HERE). In addition, it is possible to insure the vehicle on a replacement cost basis.

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RV Insurance Winamac