RV and Vehicle Insurance Can Protect Your Toys

We all work hard in order to enjoy our freedom and time. For some of us, fun means buying an RV, ATV, Jet Ski, boat, or another toy that promises to keep us entertained for hours. These types of indulgences can come with a hefty price tag and open you up to liability issues. It’s important to protect these vehicles that deliver enjoyment as much as you would protect your other assets. When it comes to RVs or watercraft, they may even be worth more than your vehicle. These recreational assets are big decisions, and are always well worth protecting. Take a look at how you can find the right vehicle and secure recreational vehicle insurance easily.

Buying the Vehicle:

  • Consider your needs

Before you take the plunge, consider why you’re buying the vehicle and what needs you have. It’s important to narrow down exactly what you need as opposed to what you want so that you can make the right purchase.

  • Consider buying used

You don’t have to buy the latest vehicle to get what you want. Consider buying a used version but always be safe when doing so. Flush out deceptive sellers, inspect the vehicle before buying, and always take someone with you when meeting up with the seller. You don’t want to purchase a vehicle that has been in an accident or has critical damage, so it is well worth a thorough inspection.

  • Work out logistics

If you’re going to be buying a Jet-Ski or boat, then you may need a trailer in order to transport the vehicle. If you’re getting an ATV, understand where and when you can operate this vehicle. It can save you a headache down the line.

Securing Insurance:

  • Get a figure

Before you buy your new toy, consider the cost of insurance. Call your insurer and ask them for a quote, giving details of the make and model you want to purchase. You don’t want to splash out on the latest boat only to find that you cannot afford to insure it properly.

  • Pay attention to liability

It’s all fun and games until someone gets injured. General liability insurance can help protect you against bodily damage and property damage liability if you do cause an accident. When looking for insurance, factor in their cost and how much liability you’re willing to expose yourself to if you are responsible for an accident. Chances are, they weren’t cheap and they can cause just as much damage as an accident in a car.

  • Bundle and save

If one ATV or Jet-Ski is fun, then two are even better! Consider multi-policy discounts when tallying up insurance costs. Contact your trusted insurance agent to help you find all the discounts you qualify for.

For help finding the right recreational vehicle insurance in Connecticut, and the surrounding cities, contact the independent insurance professionals at North American Underwriters. Serving New Britain, Bristol, Farmington, Plainville, and all of Connecticut; we will work with you to ensure you have the right amount of protection for your specific situation, all at the right price.