Do you enjoy watersports such as boating, fishing, and jet skiing? Perhaps you’re driving your RV cross-country this summer or planning a ski trip in the winter? If you partake in outdoor recreational activities, then it’s wise to consider purchasing recreational insurance.

What is Recreational Insurance?

Recreational insurance covers a range of vehicles, including snowmobiles, ATVs, various types of boats, RVs, and classic cars. The extent of the coverage you get will depend on the policy you select and the deductible you set for your policy.

Generally, basic coverage compensates third parties if you cause property damage or injure others while using a recreational vehicle. Suppose you want compensation for a stolen vehicle, personal injury coverage for your medical bills, or replacement coverage in the event of a natural disaster. In that case, you’ll need a comprehensive recreational insurance policy.

Is Recreational Insurance a Legal Requirement?

In Amsterdam, NY, residents are required to have insurance to drive an RV within the state. While you aren’t legally obligated to purchase other types of recreational insurance, if you’re still paying off the vehicle, your lender will likely require you to buy a policy.

However, even when not required, having insurance is an intelligent choice. A good policy can save you tens of thousands of dollars in the event of an unfortunate incident.

Kinowski Agency Inc. Insurance Policy Options

Kinowski Agency Inc. offers recreational insurance policies to Amsterdam, NY residents and tourists planning to visit the Empire State. Call us at your convenience to learn more about your coverage options or to choose a policy that will meet your needs.