Customizing Your Recreational Insurance Policy: Add-Ons to Consider

Recreational vehicles like RVs, ATVs, and boats are all about fun and adventure, but protecting them with the right insurance is just as important. While standard recreational insurance policies provide essential coverage, customizing your policy with add-ons can give you extra protection and peace of mind. Here are some options to consider when tailoring your coverage.

Popular Add-Ons for Recreational Insurance

Customizing your recreational insurance policy allows you to address specific risks and needs. Some of the most popular add-ons include:

  • Roadside Assistance: Provides help if your RV or ATV breaks down, including towing, fuel delivery, and jump-start services.
  • Personal Property Coverage: Protects belongings stored inside your recreational vehicle, such as camping gear, electronics, or fishing equipment.
  • Emergency Expense Coverage: Covers costs like lodging and transportation if your vehicle becomes unusable due to a covered event.
  • Trailer Coverage: Extends protection to trailers used to transport your recreational vehicles.
  • Accessory Coverage: Covers upgrades or modifications to your vehicle, such as custom paint jobs or added equipment.

Why Customization Matters

Every recreational vehicle owner has unique needs, and customizing your policy ensures you’re fully protected. For example, if you frequently travel long distances in your RV, roadside assistance can be a lifesaver. Similarly, personal property coverage is ideal for those who store valuable items in their vehicles during trips.

How to Build the Right Policy

At Anson Insurance Group, Inc., we help O’Neil, NE, residents create recreational insurance policies that fit their lifestyle. Whether you’re looking for basic coverage or want to explore add-ons, our team can guide you through the process. Visit Anson Insurance Group, Inc. to learn more about customizing your recreational insurance policy today.

Protect Your Adventures

Customizing your recreational insurance policy is a smart way to ensure you’re prepared for the unexpected. Contact Anson Insurance Group, Inc. in O’Neil, NE, today to discuss your options and build a policy that works for you.

Do You Need Recreational Insurance For Boats

Boats are often left in marinas where they may be stolen or exposed to harsh weather conditions. Insurance can help protect your assets, but the question is, do you need recreational insurance or a different type of policy?

Legal Requirements

Most states don’t require boat owners to have insurance. Those that do typically only require liability insurance that covers the other person’s medical bills or property damage in case of an accident.

Marinas may require insurance to dock your boat. Always inquire if insurance is mandatory and whether you need recreational or boat insurance. Some marinas aren’t particular as long as you have insurance, while others require a specific type of policy. The Anson Insurance Group, located in O’Neil, NE, can assist you in obtaining the coverage you need for your boat.

Recreational vs. Boat Insurance

Recreational Insurance

Recreational insurance is designed to cover multiple types of vehicles, including boats and other watercraft, such as jet skis. It’s typically broad insurance and may include additional benefits, such as roadside assistance. Recreational insurance in O’Neil, NE, is usually liability insurance, but you may be able to purchase additional coverage, such as comprehensive coverage.

Boat Insurance

Boat insurance is specifically designed for boat owners. It offers additional benefits and coverage unique to boats, such as:

  • Damage to the boat
  • Wreckage clean-up
  • Liability coverage
  • On water fuel delivery
  • On water towing services
  • Damage from marine life

These policies are uniquely tailored to meet the needs of boat owners. However, the specific benefits of a policy usually differ depending on the insurance company.

At The Anson Insurance Group, we work with you to ensure you have the necessary coverage. Our live agents will discuss your concerns with you, assess your risk factor, and determine your legal obligations. Contact us to discuss boat insurance in O’Neil, NE, today!