Securing Liability Protection for Your Recreational Vehicles

Why you should list snowmobiles, jet skis, and other toys for personal liability coverage.

If you carry homeowners, renters, or condo insurance, then your policy provides personal liability coverage.  This type of insurance is designed to protect your current and future assets in the event that you or a member of your household is accused of causing injuries or property damage to a third-party.  Having personal liability protection is important because the cost of dealing with a lawsuit can easily deplete your savings and the other assets you have under your name.

  • Liability Protection for Recreational Vehicles

If you own snowmobiles, jet skis, campers, and other recreational vehicles, then you face higher personal liability risks because you or a family member can get into an accident while operating one of these vehicles. As this increases your chances of getting sued for third-party injuries and property damage, you need to make sure that you have enough liability insurance in place.  Unfortunately, recreational vehicles are not automatically covered under personal insurance policies.  To secure coverage, you will need to list your vehicles on your policy.

  • Coverage Limitations

It’s important to understand that your personal liability insurance has limits when it comes to providing coverage for recreational vehicles. For instance, your insurance provider may refuse to cover certain vehicles if they exceed set power, size, or value limitations.  Because every insurance provider will have different coverage conditions, you should speak to your agent to determine whether your recreational vehicles will be covered or not.  If you cannot secure coverage under your existing personal insurance policies, then speak to your agent about supplemental policies such as personal watercraft, ATV, and snowmobile insurance.

This is what you need to know about securing personal liability coverage for your recreational vehicles.  Do you have additional questions regarding your liability or other personal insurance coverages?  If so, then contact the experts at CIA Insurance and Risk Management.  We are ready to assist you with all your insurance needs today.

Post written by Sam Crudo, Chief Executive Officer

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