Getting Recreational Vehicle Insurance Coverage Before Summer
Summer is almost here, and for many people that means hitting the open road—or, in some cases, the open water—on their favorite recreational vehicles. Boats and motorcycles are great for fun and adventure, but before you hit the waves or rev your engine, make sure to secure recreational vehicle insurance coverage.
Getting a quote now helps you beat the summer rush and get the best protection for your vehicle before it’s too late. Read on to learn more about boat and motorcycle insurance costs and what coverage you should look for when shopping around.
Why Should You Get a Recreational Vehicle Insurance Quote Before Summer?
The summer season is one of the busiest times to be out on the water or riding a motorcycle. Having insurance on your recreational vehicle before the summer season can give you peace of mind that you’re protected no matter what happens. Whether you’re cruising the Ozarks or riding a winding mountain road, having coverage for your boat or motorcycle can help cover any damages or medical costs arising from an accident.
Getting a quote before summer helps ensure you’re not caught off guard by unanticipated expenses. With so many different types of policies available, you can find the right combination of coverage and cost to fit your needs. But where’s the best place to start? Here’s a little information to point you in the right direction:
Common Types of RV Insurance Coverage
Recreational vehicle insurance coverage typically protects the machine in the event of an accident, theft, or other types of loss. Common coverage types include:
Bodily injury liability coverage pays for damage and injuries caused to another person as a result of an accident in which you are found at fault. Since your recreational vehicle weighs several thousand pounds, if it strikes and injures someone, the other person will face expensive medical bills, loss of wages, and other damages. Liability coverage protects you from these costs. You need this coverage to legally operate your recreational vehicle in most states, including Missouri.
Collision coverage pays for damages to your boat or motorcycle if it is damaged in a collision with another vehicle or object. If you’re not towing anything, this coverage is recommended. Collision and comprehensive coverage usually go together, but consider only getting one or the other if you have an older model of boat or motorcycle that you rarely take out or are leasing rather than owning.
Comprehensive coverage pays for damage to your recreational vehicle caused by something other than a collision, such as theft, fire, vandalism, contact with animals, and weather-related events. If a hailstorm ravages your neighborhood, for example, your comprehensive coverage would pay for repairs to your house—and your motorcycle parked in the driveway.
Uninsured/Underinsured coverage pays for damages the owner of an uninsured or underinsured motorcycle or boat causes to your vehicle. This coverage pays regardless of whether a private individual, business, or family member owns the other vehicle.
The thrill of riding your bike or boat on a hot day is unparalleled. Securing a comprehensive insurance plan with NEC protects you and your vehicles from the fallout of an accident so you can continue your adventures with minimal interruption.
What You Should Look for When Researching Motorcycle Insurance Costs
Riding a motorcycle can be a thrilling experience, but it also requires extra caution. Insurance can be tailored to your needs, with varying coverage options available for many types of motorcycles. Its costs will vary depending on the type of bike you have and whether you plan to ride it all year round or just during certain seasons.
In addition to ensuring you’re adequately covered should something go wrong, many motorcycle insurance companies offer additional discounts for taking safety classes or riding a safe bike. Ask your provider about other savings opportunities when getting a quote.
Insurance is integral to owning a motorcycle, especially if you plan on driving it on public roads and streets. Ensure you get the best price by comparing quotes from multiple providers. Most insurers offer free quotes online, so use these tools to find the best deal.
What to Expect From Boat Insurance Quotes
The type and size of the boat, the recreational activity you plan to use the boat for, and your driving history are just a few of the many factors that insurance providers consider before offering a quote. Other values include your preference for additional coverages, such as personal property, medical payments, and liability. Your provider may also consider where you plan to store the boat.
The storage environment often impacts insurance premiums because of the potential for damage. For example, suppose you intend to store the boat in a saltwater environment. In that case, your insurance policy must include comprehensive coverage for damage caused by corrosion and for repairs or replacement of hulls, masts, sails, and other parts. If you plan to store the boat in freshwater, you may not need as much coverage, but you should speak with your provider to understand all the details. This will help you make an informed decision about how to best protect your investment.
Protect Your Precious Assets Before the Summer Rush
At NEC Insurance, we understand how important it is to get the best deal on your recreational vehicle insurance. That’s why we offer comprehensive coverage—so you can rest easy knowing your RV is protected from unexpected costs. Whether you’re looking for boat, motorcycle, or other recreational vehicle coverage, we provide affordable and reliable coverage to meet your needs.
We offer great rates on all types of recreational vehicle insurance coverage, and our team of experts is available to help answer any questions about the process. We understand that the summer season can be a busy time for buying insurance, so we recommend getting coverage well ahead of the rush. That way, you can get the best possible deal and gain the peace of mind to fully concentrate on planning your summer trip.
Share This Post
NEC Insurance supports Missourians with high-quality coverage for businesses and individuals. We apply over 45 years of experience to help you navigate the market and deliver the policies you deserve.