We’re about halfway done with the summer, and it’s going entirely too fast. Hopefully, you’ve had some time to get out on the lake, go camping, and make time to enjoy yourself.

Summer is the time people bring out their boats, all-terrain vehicles (ATVs), and recreational vehicles (RVs). Whether you are required by law to insure your ‘toys,’ or you want to be a little more secure, there are crucial decisions to make when looking for coverage. While they’re not too different from purchasing standard automobile insurance, there are a few variations to consider.

RV Insurance

Just like auto insurance, a minimum of liability coverage is required for RVs in every state. Depending on your insurance plan, you can receive additional coverage for your belongings stored in the RV, RV accessories, such as awnings, satellite dishes, and installed appliances, as well as total loss replacement and uninsured motorists. Of course, the type of RV insurance you will need is based on several things. The state you live in, the class of RV, how far you travel, and the custom features are all factors that play into the best plan for you.

ATV Insurance 

Both Pennsylvania and New York require ATV owners to purchase liability insurance if they wish to drive places other than their own property. ATV riders should still consider purchasing a policy to protect themselves and others. The proper insurance can protect against property damage, medical payments, collision coverage, and comprehensive coverage that pays for damages to an ATV that are non-collision related. This includes theft, vandalism, flooding, earthquakes, fires, and other causes.

Boat Insurance 

When deciding on the proper insurance for your boat, it’s important to be aware of the factors that come in to play. The age of your boat, the length, value, speed/horsepower, condition, and type all have an effect on which policy is right for you. The proper coverage can protect you against minor damages, major damages, and expensive towing costs.

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