If you have a hitch on your vehicle, it is likely you have one of these recreational vehicles/trailers that you might need special insurance coverage for.
RV's, Campers, Motorcycles, Boats, and ATV's all have unique coverage needs and options. They are all very different from a regular car in terms of use and coverage needs.
If you are buying one of these items this Spring or Summer, or maybe getting them back out of storage from winter, I'd encourage you to take a few minutes to figure out how you are covered or get information about having the right coverage.
If you are camping in your RV or Travel trailer you likely keep a lot more personal belongings in there than you would your car. If you cover your camper on your auto policy, you probably won't have coverage for your outdoor gear, clothing, bedding, electronics, etc. If you have a camper policy, you could have a set amount of personal property coverage in case of a theft, fire, or other loss.
If you are traveling and your RV or Camper gets damaged, you may need a place to stay or new way to get to your destination or back home. You'll need special coverage for this!
Motorcycle insurance coverage can vary greatly from one policy to another. It is important to find out what your accessory coverage is and if you need to increase it because of all the new chrome parts you added on. You'll want to check and see if your helmet and riding apparel is covered too.
Many motorcycle policies I see do not have medical payments coverage. That means if you fall off or wreck the motorcycle and it is your fault or there wasn't anyone else involved, all of your medical expenses will fall back on you and your health insurance. Having medical coverage on your motorcycle policy could help pay for your out of pocket requirements before your health coverage kicks in.
Boat insurance also varies from company to company and policy to policy. Each boat is unique and your usage is too. It is important to know if you have replacement coverage or depreciation coverage on the value of your boat. Also very important is wreckage removal and pollution coverage. If your boat sinks, you are required to get it out of the lake and it could be quite expensive especially when it comes to fuel spillage. Some policies even cover mechanical breakdown of your boat motor - that is not an automatic coverage though so you'll need to make sure it is available with your boat insurance company.
Bottom line, we know you like to have fun with your grown up toys! We do too! We want to get you right back up and running if an accident happens though and you'll be glad if you need to use the coverage some day if all the bells and whistles are included! No one ever says after a claim they wish they had less coverage!
