Recreational Insurance Basics

There are lots of different types of insurance coverage to consider. Recreational insurance, however, often gets overlooked. You have invested in your recreational vehicles, so it is only right that you should protect those investments as well. At Hermes Insurance Solutions serving Sanger, TX and the surrounding areas, we can help you determine the best insurance coverage for your recreational items. 

Recreational Insurance: What You Need To Know

What Is Considered A Recreational Item?

Recreational vehicles can include the following:

  • ATVs
  • Campers
  • Boats
  • Jet skis
  • Snowmobiles
  • Some RVs
  • Others 

You can speak with an insurance representative to determine what other types of vehicles may qualify. 

Do I Need Rec Insurance?

Although rec insurance is not always required by law, it is still a good idea. It protects you and the investment you have made in your vehicles. 

What Does Rec Insurance Cover?

Most policies will provide the following types of coverage:

  • Property damage/collision– If the rec vehicle is involved in an accident, the policy will cover damage to the vehicle. 
  • Liability– If the rec vehicle damages someone else’s property or injures someone, this coverage can help pay for the expenses the incident creates. 

What Happens Without Insurance?

If you choose not to insure your rec vehicles, you could find yourself paying out of pocket for expenses. This could get very expensive, especially if other people are hurt or their property is damaged. 

Contact Us Today

If you would like to learn more about recreational vehicle insurance, or any of our other forms of insurance, please contact us at Hermes Insurance Solutions, serving Sanger, TX and the surrounding areas. We will be happy to help you today.