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What Types of Vehicles Does Recreational Insurance Cover?

What Types of Vehicles Does Recreational Insurance Cover?

Recreational vehicle insurance does not just cover RVs. This type of insurance covers all recreational vehicle types like watercraft. This blog from Kingdom Tree Insurance Group of Tallahassee, FL explains the types of vehicles covered by recreational insurance to make it easier for you to find the coverage you need.

Recreational insurance covers a wide range of vehicle types like:

  • boats,
  • fifth-wheelers,
  • motorcycles,
  • motorhomes of three classes,
  • personal watercraft.

Ships are considered larger watercraft and those require marine insurance. A watercraft of 26-feet in length or less can carry a recreational vehicle boat policy. Insurers consider a watercraft of 27-feet in length or greater a yacht and this requires a yacht insurance policy.

Just like auto insurance, recreational vehicles have a minimum insurance requirement. Check your state’s requirements. Like your auto insurance, it pays for medical care costs and property damage for other parties in an accident you cause. It also pays for damage or total loss of your recreational vehicle.

Though it covers a multitude of vehicle types, RVs are the most common type of vehicle insured under a recreational vehicle whether it’s a Class A, Class B or Class C vehicle. From a fifth wheeler to a full-size RV, rec insurance covers it.

Recreational insurance provides the same coverage types as with auto insurance. Campers, fifth-wheels, and RVs can carry the following types of coverage:

  • bodily injury,
  • collision,
  • comprehensive,
  • limited property damage,
  • personal injury protection (PIP),
  • property damage liability,
  • property protection,
  • uninsured motorist.

Call or visit Kingdom Tree Insurance Group of Tallahassee, FL to learn more about RV insurance. We can help you obtain the insurance you need for each of your recreational vehicles.