If you own a recreational vehicle in Grand Rapids, MI, it’s crucial to have the right insurance policy to protect your investment. However, you might be uncertain about the type of policy to choose. Recreational insurance covers a broad range of vehicles, from small to large. Dalessandro Agency Inc. can assist you in finding a policy that suits your needs.
Insurance for Vehicles With Living Quarters
Many people associate RV insurance solely with vehicles that have living quarters. Some carriers specialize in providing such coverage, which tends to be more expensive due to the vehicle’s size and associated liability issues. This category includes Class A, B, and C motorhomes, fifth wheels, travel trailers, and camper vans. These policies also cover contents like clothes, furniture, and associated items, similar to homeowner’s insurance. Owners who live in their motorhomes for at least six months of the year must obtain full-timer coverage tto protect themselves and their belongings adequately
Insurance for Smaller Recreational Vehicles
Smaller vehicles, often referred to as adult recreational toys, can also be covered under a recreational policy. Examples of small RVs include snowmobiles, all-terrain vehicles (ATVs), motorized dirt bikes, and golf carts. Personal watercraft, such as jet skis, may also qualify under specific policies. Because these vehicles are smaller, they usually have lower premiums.
Can I Insure My Boat Under a Recreational Policy?
If you use your boat for personal or leisure purposes, you may be able to insure it under a recreational policy. The size of the boat matters. Some carriers may require you to insure a larger boat over 26 feet long under a dedicated watercraft policy, along with any small water toys.
Dalessandro Agency Inc., serving residents of Grand Rapids, MI, can help you find an appropriate policy for your recreational vehicles. Learn more by calling our office today to schedule an appointment.
