As the weather is starting to warm, we are all more than ready to get out of our houses and into the great outdoors! Many of you may be dusting off you motorcycles, boats, ATVs, or your camper for some anticipated fun in the sun. Recreational vehicle owners need to be aware that there are considerable property or liability exposures when using this type of equipment. Most importantly, those exposures are likely excluded from coverage on your homeowner’s policy.
Personal liability from a homeowner’s policy is limited for any motorized vehicle other than those meant to service the premises (a riding lawnmower). It is more than likely that your homeowner’s policy offers no coverage for off-premises recreational vehicle use. To fill that liability coverage gap, your best choice is to purchase a recreational vehicle policy. At HMK, we have a wide variety of insurance options for all your grown-up toys!
Types of Recreational Vehicles We Insure:
- Aside from offering the standard motorcycle policy, we also have options for classic or antique bikes, as well as custom-made bikes.
- We insure watercraft of all shapes and sizes. Do you own a jet-ski/wave runner, a fishing boat or maybe a yacht? We have policies to cover not only the watercraft and liability, but the trailer as well as personal property used on the watercraft such as fishing equipment.
- We cover ATV’s and snowmobiles. We can provide liability coverage to keep you legal if you travel off your property, physical damage in the event of theft, or damage to your machine.
- We insure RV’s and motorhomes whether they are used to travel to different places within the states or used at a stationary site in a local campground.
It is important to have your recreational policy scheduled under your personal umbrella for increased liability coverage. Recreational vehicles and their accessories can be a major expense. Make sure you have the coverages you need and regardless of what type of summer toy you enjoy, make sure you are aware of state regulations and insurance requirements.
Contact the HMK Personal Lines team with any questions and to secure the right insurance coverage for your summer fun!
Kellie Eschbach
Personal Lines Manager
