Recreational Insurance

You are about to hit the road to escape the hectic bustles and hustles of life with your new recreational vehicle. But before doing that, you need to ensure you have proper recreational insurance for your prized investment.

Recreational insurance confuses many RV owners. Why? An RV falls in between a vehicle and a home. So, one wonders whether they should buy a home, auto insurance, or both. Thankfully, L & S Agency Inc., gives insight on the proper insurance to cover your recreational vehicle.

What is recreational insurance?

Also called RV insurance, recreational insurance protects recreational toys such as RVs, motorhomes, campers, and other off-road vehicles from damage and other perils. RV insurance is mandatory if it’s self-propelled (motorized). Otherwise, if it’s attached to another vehicle, it’s covered within the auto insurance. Your lender will also require RV insurance if your recreational toy is loan-financed.

Types of recreational insurance coverages

• Liability coverage: Protects you against bodily injury claims and property damage for accidents caused to other persons.
• Collision coverage: Protects your RV from damage sustained in accidents with other vehicles or objects.
• Comprehensive coverage: Protects your RV from non-collision perils like theft, fire, vandalism, storms, and many more. For comprehensive and collision coverages, you need to insure your recreational toy against market value, actual value, or the replacement value.
• Personal effects coverage: Protects personal assets like laptops, sports equipment, and other assets in your RV against perils that may cause damage or loss.
• Roadside assistance: Provides services like towing, puncture repair, gas delivery, and battery jumpstarting when your RV breaks down away from home.

Are you looking for recreational insurance? Please contact L & S Agency Inc. for an affordable quote.