• Do you have replacement cost coverage?
• Are medical payments for yourself and occupants included?
• Are you covered for the specific uses of your boat? (i.e. fishing, water-skiing, tubing, etc.)
• Is there coverage for any special boating equipment you may have?

• Are there any "lay-up periods" when you aren't insured for driving the motorcycle?
• Is Uninsured and Underinsured Motorist coverage included?
• Are your receiving the proper discounts for association memberships and driving courses?
• Is there coverage for any special "add-on" equipment or customized items?

• The following items would all fall under the recreational vehicle classification. Each may require unique coverage depending on the way you use the vehicle. It is important to discuss how you use them with your agent to ensure that you are covered if you have a loss:
  • Snowmobiles
  • Motorhome
  • 5th Wheel Camping Trailer
  • Pop-up Camper
  • Moped
  • ATV/3-wheeler or 4-wheeler
    

Insuring your recreational vehicles may pose a unique challenge for those of us living in areas where we do not use these units all year round. Many insurance companies writing coverage in the Midwest have made allowances on their policies to give a credit for your using the unit only three or four months out of the year, yet have a need for insurance all year long. Even when the vehicles are not in use you still need to protect them against theft, vandalism, or damage to the storage unit that results in damage to the vehicle such as fire or collapse.

The following is a list of specific recreational vehicles and what you need to be aware of when insuring these items.