Your recreational vehicle needs coverage very similar to auto insurance to protect you from accidents, medical expenses and the like while you’re driving on the road. But comprehensive RV insurance protects you while you are parked and camping.
Your boat needs coverage similar to auto insurance to protect you from accidents, medical expenses and the like while you're on the water. You can also add comprehensive coverage that protects against theft, vandalism, etc. Similar to auto insurance, we advise our clients to have liability coverage on their watercrafts in the event they are at fault in a boating accident.
ATV insurance is often sold as part of a broader range or insurance. For example, several companies sell ATV insurance through their motorcycle insurance divisions, while other companies might sell ATV insurance through an Off-Road Vehicle (ORV) insurance division.
And just like your RV and boat insurance, we advise our clients to insure their ATV's adequately with liability coverage, collision coverage and comprehensive coverage. So when you are out riding the trails or playing in the sand you are worry free.
Motorcycles, like the other products above, require insurance very similar to auto insurance. If driven on the road, they are required by law to have liability coverage. Collision coverage provides coverage for damage caused by an accident and it is subject to a deductible. Comprehensive coverage provides coverage for theft, vandalism and damage not caused by an accident.