Recreational insurance is the type of insurance that provides protection for non-automobile vehicles. It covers almost any type of recreational vehicle, including travel trailers, ATVs, and even boats. If you are currently shopping for recreational insurance, and there are certain things you need to know, here is essential information about it:
What Should You Know About Recreational Insurance?
- There are several types of recreational insurance, and the most common are comprehensive coverage, collision coverage, First Party Benefits (FPB), uninsured motorist coverage, and others.
- In addition, recreational insurance may also include property damage liability (physical damage to the recreational vehicle), bodily injury liability (injury coverage), limited contents coverage (coverage of personal belongings located in the recreational vehicle), and specialized coverage (replacement of a recreational vehicle that cannot be repaired).
- There are three classes of recreational insurance: class A (recreational vehicles that do not exceed 75 feet), class B (for smaller recreational vehicles, including camper vans, cargo vans, and travel trailers), and class C or fifth-wheel vehicles.
- It is mandatory to carry recreational insurance in the state of New York. That means that driving a recreational vehicle without insurance is considered illegal. Recreational insurance is also crucial because recreational vehicles often become targets for theft.
Kinowski Agency Inc. - A Reliable and Trustworthy Insurance Agency In New York
If you are currently shopping for recreational insurance in the state of New York, Kinowski Agency Inc. is the right place to contact. We work with clients in Amsterdam, NY, and other nearby areas and specialize in all types of insurance, including recreational insurance. Do not hesitate to contact us if you have any questions about specific insurance policies we offer or to know about recreational insurance in general. Our knowledgeable insurance agents will be glad to answer all of your questions and provide the information you need.
While our offices are located in Amsterdam, NY & Johnstown, NY, we serve our clients all across New York.