What Does Recreational Insurance Cover?

Those who own campers, ATVs, and other off-road vehicles in Longmont, CO sometimes shy away from recreational insurance because of the confusion surrounding such plan. It can at times be a complicated matter since recreational vehicles can be insured through either your homeowner’s or auto insurance policies. 1st American Insurance Agency can help you work through the red tape and find the right plan to assure your off-road sports vehicle or RV.

What does recreational insurance cover when attached to a homeowner’s insurance policy?

Generally, you can only assure your recreational vehicle along with your home if the automobile is not used on public highways. A camper that you often take on road trips across the country would likely not qualify for coverage. The positive thing about having an indemnity plan for your RV included with your homeowner’s policy is the level of coverage you receive. Everything from medical bill payments to general liability for at-fault instances is taken care of under such plan. Recreational insurance claims work much like a traditional home insurance plea. You need to file with the assurance agency and pay the required deposit for financial coverage to initiate.

What does recreational insurance cover when attached to an auto insurance policy?

Perhaps the most familiar way to assure your recreational automobile in Longmont, CO is through a traditional vehicle insurance plan. As with coverage for your everyday car or truck, a recreational indemnity plan pays for physical damage to your off-road vehicle if it is involved in an accident or stolen. You will need to obtain full coverage to reap the benefits of coverage for things such as vandalism theft, and damage caused by falling objects such as tree branches. In the unfortunate event of an accident, a recreational insurance plan attached to your standard auto insurance policy may cover:

  • Bodily Injury
  • Property Damage
  • Umbrella Insurance
  • Medical Payments
  • Personal Injury Protection

You should not bypass recreational insurance because you do not understand all of the details. Let one of the agents at 1st American Insurance Agency help you get to the bottom of things with an explanation of options and a quote!

Planning Now for Summertime Adventures

As springtime blooms appear along the Front Range, families in Longmont, CO and the greater Denver metropolitan area have started to plan vacation adventures. Some RV owners may choose weekend getaways to nearby destinations such as Rocky Mountain National Park, while others have more distant destinations in mind, such as locations in Montana, Utah, and Wyoming.

Wherever you decide to go, the agents at 1st American Insurance Agency encourage you to make sure that your present coverage levels meet your needs and that your checklist includes a few important tasks:

Inside Your RV

  • Inspect all of the safety equipment, including your road hazard kit and first aid kit, and make sure you have extra provisions of water and other necessities if you plan to travel to a remote area.
  • Refresh the interior, check for mold or mildew, and inspect batteries, lights, and other amenities within the cabin and living areas.

Outside Your RV

  • Check your tires for low pressure or any visible damage.
  • Inspect doors, windows, and other areas for cracks or damage.
  • Examine propane and other systems for possible leaks.
  • Make sure that you have spare keys available for your journey.

Under the Hood and Other Storage Areas

  • Examine wires, cables, batteries, and fluid levels with a plan to schedule service visits before your vacation is scheduled to begin.
  • If you have not started the RV in more than a month, be sure to inspect areas around the engine to make sure that rodents or animals did not build any nests under the hood.
  • Inspect filters and make sure that the water system has been flushed and cleaned out.

1st American Insurance Agency proudly serves those who live in and around Longmont, CO. We encourage you to contact our offices for more information about our recreational insurance policies.