Physical Damage Coverage
It’s great to have a hobby that takes you away from home, whether it’s a snowmobile ride or a road trip to another city in the warmer months. Whatever your fun entails, adequate coverage is prudent so your adventures stay safe and headache-free.
Most standard recreational vehicle options include a choice between a Standard (named perils) package and a Comprehensive (all-risks) package, which includes everything except specific perils listed in your insurance policy document.
Like your car insurance policy, your RV collision policy will cover you if you have an accident riding your ATV or other recreational vehicle.
If you have All Perils RV protection, you have a combination of collision and comprehensive insurance coverage. The rate for this type of coverage will depend on many factors, from your age to the location where you’ll be using your RV, and more.
Family Protection Coverage:
You may be tempted to take your young kids for a ride on your ATV or have them ride alone. Check out the family protection coverage (includes insured and uninsured riders) and age limits before you head out on a winter adventure.