The Howdy Blog

Al Boenker Insurance Blog


School is out, and vacation and travel are on everyone's summer list. RV's, boats and watercraft just give you all the summer feels. Loaded down and in route to a favorite destination where your family is going to make memories is one of great gratitude! However, with all good things, we must prepare for the not so pleasant. Knowing the amount and type of coverage you have in case of an accident can give some peace of mind.

So what kinds of insurance coverages do you need? Here is quick break down on coverages for the different type of vehicles.

Boat -There are widely different coverages for different styles of vehicles. The most standard coverages you are going to seek is for:
  • Physical damage (motor, vessel, anchors, and onboard equipment)
  • Liability (in case your boat injurers someone else or their property)
  • Additional coverages can be offered for storage, fishing equipment, and personal items stored on board.
Motor Home/RV- Your motorhome or RV is more than just a vehicle and needs more than just standard auto insurance. Motorhome coverages include:
  • Comprehensive and collision- this protects from direct damage, accidental loss, collision, fire, smoke, flood, wind, theft, fallen debris, and lightning.
  • Coverage for attachments such as awnings and antennas.
  • Additional coverages including, towing, total loss replacement, emergency lodging in case your rig is being repaired to campsite liability.
5th Wheel- Your auto policy doesn't cover your haul like you may think. Here are some standard coverages your 5th wheel will need.
  • Comprehensive and collision- this protects from direct damage, accidental loss, collision, fire, smoke, flood, wind, theft, fallen debris, and lightning.
  • Coverage for attachments such as awnings and antennas.
  • Additional coverages including, towing, total loss replacement, emergency lodging in case your rig is being repaired to campsite liability.
5th wheels have similar coverage to your motorhome or RV but due to its attachment style, there can be different needs.

Personal Watercraft- PWC insurance helps ensure you and your personal watercraft against accidents, vandalism, and liability. Typical coverages include
  • Collison, theft, fire, vandalism, water damage, and storm damage. Your standard coverage is meant to ensure risk to the PWC and owner.
  • Expanded coverages include medical bills, full replacement cost, towing and roadside assistance.
Off-Road Vehicles- ATV's are a guaranteed fun time! However, protecting yourself cannot be guaranteed. Off-road vehicles are considered to be a little more dangerous and in return protect against accidents, injury, and theft. Here are the standard coverages offered to ATV's
  • Liability Coverage- covers the cost of bodily injury and property damage.
  • Collision- will assist in paying for damages to the machine after an accident
  • Comprehensive and under/uninsured motorist are additional coverages that can cover you from theft, vandalism and weather damage.
As you can see, there are several different coverages and possibilities that you might need. Each recreational vehicle has different parameters and restrictions. The best choice to determine the right amount of coverage is to speak with your Al Boenker Insurance agent. Their expertise and knowledge will help you determine the value of your rec vehicle and its content and help make you make the best-informed decision. Being informed is empowering! Now take your knowledge and have a safe and fun summer!