Recreational Insurance
Make sure you are prepared for your next big adventure, wherever that may be. One of our services includes protection for your recreational or off-road vehicles. Vehicles that need this type of specific insurance include motorhomes, campers, boats, ATVs, Jet Skis and snowmobiles.
These vehicles have unique risks but a recreational insurance policy could offer protection from damage, theft, or injury.
Recreational Vehicle Insurance may include the following coverages:
- Total loss replacement
- Replacement cost of personal belongs
- Emergency expense coverage
- Comprehensive coverage
- Towing and roadside assistance
- Full-time liability
- Stationary coverage
- Medical payments
- Uninsured motorist coverage
- Suspend collision coverage when in storage
Recreational Insurance FAQs
What can recreational insurance help pay for?
Recreational insurance can help protect you from the financial impact of a covered loss. Depending on the policy, it may help with repairs or replacement, medical expenses, and liability claims. The coverage you need will depend on what you own, how you use it, and the risks you want to protect against.
Is motorhome insurance required in Pennsylvania?
Motorhomes driven on Pennsylvania roads generally need liability insurance. Additional coverage may also be required by a lender if your motorhome is financed. Even when certain coverage isn’t required by law, having the right protection can help safeguard your investment.
Does camper insurance cover theft?
Camper insurance with comprehensive coverage may help cover a stolen camper. It can also provide protection against certain losses caused by fire, vandalism, severe weather, and other covered events. Reviewing your coverage before storing your camper can help make sure you have the protection you expect.
Can boat insurance cover fishing equipment?
Some boat insurance policies can provide coverage for fishing equipment and other personal property kept on the boat, such as rods, tackle, and electronics. Coverage limits may apply, particularly for expensive equipment, so it’s important to discuss higher-value items with your insurance agent.
What does ATV collision insurance cover?
ATV collision coverage may help pay for damage to your ATV after a covered accident involving another vehicle or object. A deductible typically applies. Your agent can help you review the coverage and limits that make sense for how you use your ATV.
Do I need insurance before buying a Jet Ski?
If you’re financing a Jet Ski, your lender may require proof of insurance before completing the purchase. Even if insurance isn’t required, arranging coverage before you take it out on the water can help protect your new investment from unexpected losses.
Can snowmobile insurance cover medical bills?
Depending on the policy, snowmobile insurance may include medical payments coverage for injuries to you or your passengers following a covered accident. Coverage options and limits can vary, so Pennsylvania snowmobile owners should review their policy before hitting the trails.
Does recreational insurance cover vandalism?
Comprehensive coverage may help pay for damage caused by vandalism. This can be particularly useful when a motorhome, camper, boat, ATV, Jet Ski, or snowmobile is stored for an extended period. Coverage depends on the policy, so it’s important to understand what is and isn’t included.
Can I add another recreational vehicle to my insurance?
In many cases, yes. When you purchase another recreational vehicle, your insurance agent can review your existing policies and help determine how the new vehicle should be insured. Depending on your situation, you may also be eligible for multi-policy or multi-vehicle savings.
How do I choose the right recreational insurance policy?
Start by looking at the value of your recreational vehicle, how frequently you use it, where it is stored, and how much liability protection you may need. An independent agency like Moore Insurance Group can help you compare coverage options from insurance carriers and find protection that fits your needs.
Can Moore Insurance Group help with different types of recreational insurance?
Yes. Moore Insurance Group offers recreational insurance and can help you review coverage for the recreational vehicles and equipment that are part of your lifestyle. As a local, independent agency serving Glenside and communities throughout Pennsylvania, our agents work for you—not the insurance carriers—and can help you find coverage that fits your needs.