RECREATIONAL VEHICLES

Recreational vehicles consist of motorcycles, snowmobiles, ATV’s, golf carts, motorhomes, etc. While most of these loss exposures are not covered under basic homeowners or personal auto policies some may be endorsed to those policies. Recreational vehicle insurance provides liability from ownership and use and may also provide protection against physical damage to recreational vehicle itself.

Personal Watercraft

Personal watercraft consists of dinghies, rafts, rowboats, kayaks, jet skis, sailboats, yachts, outboard and inboard motorboats, etc. Ownership and use of personal watercraft create both bodily injury and property damage exposures involving passengers, occupants of other watercraft or objects or people in the water.