Your recreational vehicles add joy and adventure to your life. But the only way to make sure the fun never stops is to make sure these recreational vehicles are properly maintained and properly insured. At Rickey McGill Insurance Agency, serving Arlington, TX, we believe that to make the best insurance choices, it is vital that you have a solid insurance education. Keep reading to learn more about recreational insurance.
What Qualifies as a Recreational Vehicle?
When people hear the term "recreational vehicle," they are thinking of traditional RVs such as motor homes and campers. The term recreational vehicle, however, can cover several other types of vehicles as well. ATVs, boats, jet skis, and some other types of vehicles all qualify under this category. To best understand this category of insurance, you will want to sit down with an insurance representative.
What Does Recreational Vehicle Insurance Cover?
Recreational vehicle insurance works similarly to other types of insurance. Although you can customize policies to suit your particular needs, in general, a policy will provide coverage in the following areas.
- Collision/Comprehensive – This type of coverage is in place to cover expenses incurred due to damage or loss of your recreational vehicle. This can include fire, natural disasters, accidents, and theft.
- Liability – This type of coverage operates to pay for expenses that might occur if your vehicle causes injury to someone else or damages someone else’s property. This is a significant type of coverage because, in many states, you must have liability coverage to operate your vehicle. This is also the best way to protect yourself if someone is injured to ensure you do not wind up paying medical bills or legal fees.
If you would like to learn more about our insurance products, please contact our office at Rickey McGill Insurance Agency, serving Arlington, TX.