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.
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.