Recreational vehicles and trailers fall under different types of coverage:
Type A – is a recreational vehicle that you drive to its destination
Motorhome or RV insurance provides you with all perils coverage, emergency expenses, personal property protection, depreciation waiver, and liability coverage.
Type B – is an add-on to a vehicle, such as travel trailers, 5th wheels, tent-trailers or truck campers
Trailer insurance is available for your travel, tent, or fifth wheel trailers, as well as truck campers. Trailers up to 40’ long are covered. Policies provide protection for liability, all perils, and personal property coverage. There is also coverage for loss of use and emergency expenses.
Any 4-wheel vehicle that is self-propelled, whether driven on roads, land, off-road, or on ice or snow, requires insurance.
Liability insurance provides protection in the event of an accident where you are at fault and covers bodily injury.
Collision Insurance covers you if you hit an object or another vehicle, providing funds to repair or replace your ATV.
Comprehensive Insurance ensures you are compensated for damages to your ATV caused by fire, floods, theft, or vandalism.
When operating a snowmobile anywhere except on the owner’s property, the law requires you to minimally carry the following insurance:
- $200,000 in Third Party Coverage
- Statutory Accident Benefits Coverage
- Direct Compensation – Property Damage Coverage, and
- Uninsured Automobile Coverage.