Why Insurance Coverage Is Important for Boats, RVs and Other Recreational Toys

Boats, recreational vehicles and other recreational toys are great ways to have fun and create memories with family and friends. Whether it’s riding a four-wheeler on rough terrain, using a camper for a vacation or jet skiing on your favorite lake, accidents can happen. Insurance gives you the financial protection you need if something unfortunate happens.

What Coverage Should I Have?
Tennessee has various insurance requirements for anyone who owns and operates recreational vehicles. At ISG Insurance, we can ensure you have the appropriate coverage for your specific toys to fulfill the state’s needs. Some coverages that can be beneficial to carry include the following:
cheerful group of people on a speed boat

cheerful group of people on a speed boat

Bodily injury liability insurance can help pay for the medical bills, lost income and emergency aid if someone else is hurt and you’re at fault.

Collision insurance can provide coverage if another vehicle hits you or you hit an obstacle, such as a tree.
Comprehensive insurance helps cover non-collision damage such as vandalism, weather, theft and fire.
Property damage liability insurance can help pay for repairs if you damage someone else’s property.

Property damage liability insurance can help pay for repairs if you damage someone else’s property.

What Specific Insurance Can I Get for My Recreational Toy?
Keep yourself, your passengers and your recreational vehicle protected with applicable insurance. Many people choose to carry specific coverage for their recreational toys.

All-terrain vehicle (ATV) insurance—ATVs can be dangerous to riders and those around them and expensive to replace if damaged, which is why you need ATV insurance. In addition, some state parks require basic ATV insurance if you plan to ride there.
Boat insurance—Most states, including Tennessee, don’t require boaters to purchase insurance for their watercraft. However, many marinas need some form of insurance if you want to use a slip or mooring. Your financial institution may also require insurance if you’re financing your boat.
Motorcycle insurance—This coverage is essential to protect you on the road. It can cover repairs, replacement costs and medical bills for anyone injured in an accident. This insurance may even cover the cost to fix any property damaged in an accident.
Motorhome insurance—If you own an RV, you may be required to carry only standard liability insurance and personal injury protection.

Snowmobile insurance—Tennessee law does not require this type of coverage, but it can be beneficial if you have an accident.

Recreational toys can add a lot of excitement to leisure activities. ISG Insurance is here help you review the insurance needs for your recreational toys so you have adequate protection.

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