You’ve just bought a brand-new recreational vehicle, but how do you insure it? You’re aware that you need a policy specifically designed for them. However, understanding what qualifies as a recreational vehicle can be perplexing. Determining whether your off-road toy is classified as an RV will guide you to the appropriate insurance in Bethlehem, NH. The Washwick Agency can help you find the right policy to safeguard your investment.
Defining a Recreational Vehicle
The definition varies depending on who you ask. Technically, an RV is a motor vehicle or trailer designed for temporary living quarters. However, most insurers adopt a much broader definition. Motor homes, travel trailers, and fifth wheels are just one type of RV. Many smaller vehicles also qualify. These include:
- All-terrain vehicles
- Snowmobiles
- Motorized dirt bikes
- Mini-bikes
- Trail-bikes
- Off-road vehicles
- Various personal watercraft, including jet skis
Varieties of Recreational Vehicle Insurance
A traditional RV policy will protect your investment for motor homes, camper vans, and similar vehicles. Insurers tailor your policy according to your vehicle type. For instance, Class A, B, and C motor homes have different sizes, so liability limits vary. As fifth wheels, truck campers, and travel trailers are towed by another vehicle, insurance policies generally only cover physical damage and may not include liability provisions. If you rent your RV to others, you’ll need special coverage.
Smaller and personal vehicles cannot be added to an RV policy. Snowmobiles, all-terrain vehicles, dirt bikes, and similar vehicles require dedicated policies due to the inherent risks involved in operating them. These policies typically include liability, comprehensive, and collision provisions.
If you need to insure a large RV along with a personal recreational vehicle, The Washwick Agency, serving Bethlehem, NH, can assist you. Please get in touch with our office today to schedule an appointment.
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