The warmer weather is here, and it’s time to get out to enjoy some sunshine! But before you hit the water or get out on the trails with those new ATVs, make sure you and your toys are protected. 

Proper Care, Keeps the Fun Safe

Whether you are a seasoned pro or just bought your first toy, the proper insurance coverages are crucial to summer safety. Just like routine care and maintenance, having an insurance policy to cover your watercraft, RV, or ATVs are just as important.

Going Boating?

Don’t leave shore without the right watercraft insurance to keep you afloat. 

Personal watercraft insurance is always a good idea if you plan on using your boat or jet ski this summer. Boat insurance may cover the following:

• Liability coverage – this will help protect you if you get into an accident with another person or boat and are found to be at fault.
• Physical Damage Coverage – this can help protect your actual boat if it sustains damage. It covers the boat itself, motor, and trailer.
• Medical Payments Coverage – If someone gets hurt in a boating accident, medical payments coverage can help cover the associated medical costs.

Prefer the Open Road?

RVing has become more and more popular over the years. What’s not to love? You have all the comforts of home no matter where you go. Just make sure you have the right insurance coverage to protect your rolling home away from home. 

RV insurance will differ by the type of vehicle you have. A popup is going to be insured differently than a motorhome or even a trailer. RV’s have different classes and your insurance will need to reflect that. 

Just like car insurance, your RV insurance is there in case an unfortunate accident were to occur. RV insurance can help cover things like:

• Damage to your RV
• Medical payments
• Damages that you cause
• Roadside assistance
• Uninsured drivers
• Total loss replacement

Feel the Need for Speed?

ATVs, dirt bikes, and other off-road vehicles can be dangerous. While they are so much fun to zip around on, the chances of an accident are pretty high. Insurance may not be required to ride an ATV or dirt bike, but it certainly is a good idea. Insurance can help protect your bank account if the unexpected were to happen. Here are the types of off-roading insurance we can help you with. 

• ATV Insurance
• Dirt Bike Insurance
• 4WD Insurance
• Side-by-side Insurance

After the Thrill is Gone

Once summer bids us adieu it’s also important to store your summer toys properly to ensure they perform at their best next season. Be sure you are storing everything correctly. 

If you aren’t sure if you have the right coverage for all the things that are keeping your summer full speed ahead, give our insurance experts a call today. We will be happy to discuss what coverages you may be missing or other ways to keep you and your family protected this summer. 

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