Do You Have The Right Recreational Vehicle Insurance Coverage?

The ice is off the lakes, temperatures are warming up and people are out enjoying the beauty of the Minnesota outdoors with recreational vehicles. Docks, lifts and boats are in the water. RVs are heading out for camping adventures. ATVs, side-by-sides and golf carts are out on the trails and golf courses. Do you have the right recreational vehicle insurance?

They are fun to use and people don’t always take the time to think about their recreational vehicle insurance coverage. Recreational vehicles are not automatically included in your auto or homeowners insurance. Accidents do happen. It is better to think about your insurance coverage now before it is needed. Start the summer with one less thing to worry about. 

What is considered a recreational vehicle?

• ATV (All-Terrain Vehicles)
• Side-by-Sides
• Golf Carts
• RVs (motorhomes, campers, travel trailers)
• Motorcycles
• Boats along with docks and lifts
• Personal watercraft
• Snowmobiles

Operating Recreational Vehicles

Another thing to think about is how and where you are using your recreational vehicle. Are you strictly using it on private property or do you go on public roadways? There are different types of recreational vehicle insurance coverage available, so make sure you have the proper coverage to ensure your protection in case of an accident. Always keep safety in mind when operating recreational vehicles. The Minnesota Department of Natural Resources offers safety training and tips that can help your family learn the safest way to operate these vehicles.  Safe operation along with proper insurance will get you started in the right direction.

There are a variety of personal insurance options available. Check with your Citizens Insurance Agent to review your current coverage. Make sure you’re set for the summer.