Insuring your recreational vehicles is necessary and usually fairly inexpensive. Talk with your insurance agent to make sure you are insured properly. Remember to check out some excess liability insurance as it will provide the additional protection you need. Recreational vehicles are fun because they go fast in a variety of terrains make sure you consider the risks you and your friends are taking and insure that risk!
What does Excess Liability Insurance Cover?
Additional Liability for your Vehicles or Property!
If your auto or homeowners insurance has $100,000 of liability coverage, and you have an umbrella policy of $1,000,000, your Auto or homeowners liability is now $1,100,000. Excess liability is a must‑have protection!
How low can you go?
If someone is injured on your private or business property, if they are injured in an accident you caused, your auto or homeowners insurance will generally cover fairly minor injuries. What happens if you run out of money with your current coverage? You will probably get sued for the rest...
Slippery when wet, or frozen!
Drivers can lose control on wet and slippery surfaces and people lose their footing on the ice all of the time. If you are responsible or they are on your property you could be at risk as your current insurance coverage may not be adequate.
Active people have accidents!
Swingsets, jungle gyms, playhouses, trampolines, sports courts, and a myriad of additional recreational activities can cause injuries or even death.
An accident waiting to happen!
Recreational vehicles, personal watercraft, razors, boats, motorcycles, duane buggies, and other motorized vehicles are very popular and they are so much fun... until there is an accident. Emergency rooms are full of inexperienced and overconfident users.
Umbrella/Personal Liability Insurance:
Watch this video to get additional information about the types of things you need to be aware of when purchasing personal liability insurance.
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