Why You Need Insurance on Your Recreational Vehicles

Purchasing an RV can be extremely exciting, as it opens up the possibility of traveling in the comfort of a home. However, prior to taking your RV on the road, you will need to properly insure your recreational vehicle. As a Spokane, WA resident, you may wonder why RV insurance from a professional insurer like Western Insurance Associates is so important. Keep reading to find out why.

Why Does RV Insurance Matter?

RV insurance will protect your recreational vehicle from damage at any given time. When your RV is stored in the yard, it may be protected by your home insurance policy. However, when it is being used, you will require a separate policy to ensure you are properly protected from various incidents.

In some states, an RV insurance policy is required. Further, some campgrounds may require that you show proof of insurance before being allowed to stay. Otherwise, you will be unable to stay on their property.

How Are Coverage Amounts Determined?

The type and amount of RV coverage that you invest in will primarily be affected by the type of recreational vehicle you have. For instance, if you purchase a bus or motorhome, you want to ensure you have sufficient coverage to protect the engine, vehicle components, and living quarters. If you have a towable camper, protection for the living quarters may suffice.

Regardless of the type of recreational vehicle you buy and insure, you want to ensure that your insurance coverage is enough to protect the RV’s full value, any personal belongings, furniture, equipment, etc.

If you have questions about RV insurance in Spokane, WA, don’t hesitate to reach out to us at Western Insurance Associates.

Is Recreational Insurance Necessary?

Whether you own an RV, motorhome, or campervan, you are always eagerly waiting for the warm season to get started with vacations and camping trips. Besides, if you own a boat, ATV, or an off-road vehicle, you can’t wait to have fun in the wild. But one thing that you might not be keen about is recreational insurance. In fact, even now, you are asking whether you really need recreational insurance. 

Recreational insurance from Western Insurance Associates in Spokane, WA, comes at a cost, but it’s a must-have investment if you want to enjoy your recreational toy optimally. Still not convinced why you need recreational insurance? Here are the reasons why it’s a necessity.

It may be required

If you own a motorized recreational vehicle in Washington, the law requires you to purchase recreational insurance. You see, your RV is just like a vehicle. And as such, the same insurance laws applicable to cars apply to your recreational vehicle. 

While recreational toys like boats, ATVs, and personal watercraft are not legally required to have insurance, there exist other reasons you should invest in recreational insurance.

To protect your asset against physical damage

Your recreational vehicle gives you fun, and you wouldn’t want that to stop. But one mishap can change your boating, off-road, or road trip experience into a nightmare. Accidents can damage your recreational vehicle, spoiling the fun. While insurance doesn’t prevent accidents, it ensures you don’t start from scratch when perils strike. 

Liability protection

Accidents can happen while operating your RV. And if you are deemed liable, you could face property damage and bodily injury claims from third parties. Worse yet, you could be hit with litigations for negligence, missed wages, and so on. Thankfully, if you have liability coverage, such costs become the headache of your insurer.

If you own a recreational toy in Spokane, WA, you should have recreational insurance at the back of your mind. And the good thing is that getting coverage is easy when you partner with Western Insurance Associates. Contact us today, and our team shall give you the protection you deserve. 

What does recreational insurance cover?

Life as an off-road lover comes with many benefits. Not only do you have the opportunity to enjoy nature, but you can also engage in adventures city life does not provide in Spokane, WA. Taking life by the horns means having the right insurance that lets you confidently explore the wild. Western Insurance Associates can help you understand the importance of recreational insurance and how a policy can enhance your off-road experience. 

What does recreational insurance cover?

Recreational insurance covers off-road vehicles such as all-terrain vehicles (ATVs), utility terrain vehicles (UTVs), and dirt bikes. A standard auto insurance policy does not typically provide coverage for these types of vehicles because of their design and use. Recreational insurance closes the gap so you do not have to pay for damages out-of-pocket when an incident occurs in Spokane, WA. 

How does recreational insurance work?

Recreational insurance works much like a standard auto indemnity plan. You receive protection based on your preferences and policy limits. 

Those who pay more in monthly premiums may find their indemnity plans cover more incidents. Meanwhile, those who pay less in monthly premiums may experience more out-of-pocket expenses. 

How much recreational insurance do you need?

The amount of recreational insurance you may need depends on a number of factors, which include:

  • How often you operate your off-road vehicle;
  • Whether or not you plan to have passengers;
  • Whether or not you need coverage that provides total replacement in the instance that your off-road vehicle is completely destroyed. 

Western Insurance Associates can help you build the recreational insurance policy that best suits your lifestyle. Call them today to get started with a quote for coverage!

When is recreational insurance required in Spokane?

Those that live in the Spokane, WA area will likely love the amazing outdoor recreation opportunities that are all around. No matter what time of the year it is, there is always an opportunity to enjoy fresh air and nature. One way that you can have even more fun and enjoyment by getting a recreational vehicle. When you own a recreational toy, it is important to get insurance for it. There are several situations when this could be a requirement for you. 

Local Requirement for Liability

One situation when you will need to get insurance for your recreational toy is when it is a local requirement. Depending on where you want to use your recreational toy, you may need to meet local liability requirements. Certain areas in the Spokane area will require that you have insurance to ensure you can cover damages if you cause an accident when using your recreational toy. You may need to provide evidence of insurance before using it in these locations.

Provides Coverage for Asset

Another reason to get recreational toy insurance is that it will provide you with coverage for your asset. Buying a recreational toy is always a big purchase and one that needs to be covered by insurance. When you do get insurance coverage, you will receive protection against many risks, including the risk of accident damage, theft, or even damage related to bad weather. 

When you own a recreational toy in the Spokane, WA area, it is crucial to consider your insurance needs. When you are looking for insurance, you should contact Western Insurance Associates. The team at Western Insurance Associates will be able to provide you with a variety of services to ensure you select a policy that is right for your situation. 

3 Benefits of Having Recreational Insurance

Recreational insurance covers a variety of recreational vehicles, including campers, ATVs, jet skis, and off-road bikes. At Western Insurance Associates, the agents understand the importance of having the right type of insurance policy in place when you are on vacation or hitting the trails. Fairfield and Spokane, WA residents who own recreational vehicles need to make sure they are adequately insured.

Protects Your Investment

Having recreational insurance on your motor home, ATVs, and other recreational vehicles are essential if you want to protect your investment. Replacing a recreational vehicle of any kind after an accident can be costly. The right type of insurance protects your investment.

Covers Your Liability Costs

Recreational insurance also covers any liability you may suffer if an accident occurs. This can include medical expenses if a passenger is injured. If you are leasing or renting a motor home, your recreational insurance will cover damages if an accident occurs while it is in your possession.

Protects Personal Property

There are times when a property is damaged due to an accident involving a recreational vehicle. Recreational insurance can be used to cover this type of damage, as well. It’s important to talk to your agent to find out what types of damage are covered and how much coverage you may need to be fully protected.

Residents who live in Spokane, WA, and the surrounding areas are encouraged to call the agents of Western Insurance Associates to find out more about recreational insurance and its many benefits. Not having the right coverage can quickly put a damper on your fun if an accident should occur. Call and speak to an agent today to make sure you are fully covered before you take off on your next adventure.