What is it
Specialized Insurance can be provided for recreational vehicles, not covered under standard homeowners insurance, such as snowmobiles, jet skis, and ATV's.
when do i need it
For peace-of-mind while you’re traveling through the snow or the mountains, depend on LoPriore Insurance to provide you the protection you need.
Who needs it
You may need Recreational Insurance when financing your recreational vehicle. Some lenders will require insurance coverage. Additionally, some circumstances are not covered by your home insurance. See our FAQ's below for some examples.
- Collision coverage
- Medical payments coverage
- Safety apparel coverage
- Increased liability limits
- Optional equipment coverage including sleds that are towed
- Coverage for trailers used for transporting
Is my ATV covered under my home insurance policy?
Generally, there is no coverage. However if the ATV is only used on owners property, there may be some liability coverage provided.
Is my jet ski covered under a home insurance policy?
Homeowners policy does offer some coverage to watercraft. However jets skis are excluded from this type of coverage.
Do I need to purchase a Recreational Vehicle policy for a golf cart?
If you plan on a driving golf cart on a public road then you would need to purchase a separate Recreational Vehicle policy for that. However, if the golf cart is only being operated on your property, your homeowners insurance policy could provide you with limited coverage.