Types of Recreational Insurance for the Adventurer

Sometimes you need to get that thrill of sea spray on your face, wind rushing through your hair, or nature knocking at your window. As an adventurist, you find joy in getting out of your comfort zone and taking risks, but one thing you shouldn’t risk is being uninsured. Choosing the right insurance for your recreational activities is important to making sure you and your vehicles are covered in case your trip takes a wrong turn.

Here are some of the types of and reasons why recreational insurance is a necessary step in your adventure.

Boat and PWC Insurance for the Seafarer
Life vest? Check. Anchor? Check. Insurance? Check. Having insurance for any of your water vehicles covers any potential liability that could happen on or offshore. Boat insurance protects you and your boat from body or engine damage, theft, personal belongings, and even the cost of towing for if you ever get stranded.

Personal watercraft, or PWC, insurance covers all of your stand-up or sit-down watercrafts like your jet-skis. Similar to boat insurance, PWC insurance covers property damage to your or another person’s property, injury, theft, and towing expenses.

Motorcycle and Scooter Insurance for the Road Master
Having motorcycle or scooter insurance is just as important as having car insurance, if not more. Motorcyclists are more likely to get into an accident due to more exposure, less visibility, and higher risk to unsafe road conditions. Although a handful of states don’t require motorcycle insurance, Virginia requires that all riders are insured. Motorcycle and scooter insurance covers accidents, medical expenses, theft, damage, and other liabilities. Coverage can also vary based on specific situations, such as medical insurance for passengers or insurance for extra equipment.

RV, Trailer, and Camper Insurance for the Traveler
Your RV, trailer or fifth wheel trailer, and camper acts as a home on wheels, making it a little more expensive to insure, as there are more things to cover. A basic recreational vehicle insurance package covers accidents, damage, and liabilities. However, most mobile homes and trailers require a more personalized plan with aspects similar to both home and auto insurance. These plans can include coverage for your belongings, injury expenses, emergency towing, and additional equipment.

Snowmobile Insurance for the Chionophile
As a winter sport, riding a snowmobile comes with more risks than with using other recreational vehicles due to weather conditions and the unpredictability of snow. Snowmobile insurance covers your vehicle from damage, theft, and extra safety accessory needs, as well as covers you from injury and accidents. However, the overall amount of coverage needed varies based on what, where, and how often you ride, as well as who’s riding.

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Before you begin your adventure, make sure you have the right type of coverage for you and your vehicles. Here at Sanford Insurance, we represent several companies, providing different options for all of your coverage needs.

To get a quote or to answer any additional questions, contact us today!