Toy Vehicles

Owning a recreational vehicle (RV) can be an exciting adventure, whether taking a cross-country road trip or simply exploring the great outdoors with family and friends. However, like any vehicle, RVs can also be involved in accidents or incidents leading to unexpected expenses, making RV insurance essential. RV insurance can help protect you financially in the event of an accident, theft or other covered incident. Some types of RVs include all-terrain vehicles, dune buggies, golf carts, motorhomes, motorcycles and various watercraft. 

RV insurance typically includes the following coverages: 

• Bodily injury and property damage liability 
• Collision coverage
• Comprehensive coverage 
• Uninsured/underinsured motorist coverage 
• Personal property coverage  

Why Do You Need Recreational Vehicle Insurance? 

Recreational vehicle insurance is essential to protect yourself and your finances. Without RV insurance, you could have to pay for costly incidents out of pocket. RV insurance offers similar benefits to auto insurance but includes more diverse protections due to the unique risks of owning and operating an RV.  

Is ATV Insurance Required? 

All-terrain vehicles (ATVs) are another type of recreational vehicle that may have specific insurance coverage options. ATV insurance policies typically include liability insurance, coverage for medical bills, comprehensive coverage and collision coverage. While not legally mandated in most states, it may be necessary if you want to ride your vehicle on public trails or property that isn’t your own.  

How Much Is Motorcycle Insurance? 

Motorcycles can also be considered a recreational vehicle, but the typical insurance coverage for them is typically cheaper than that of an auto insurance policy. This includes liability coverage, collision coverage, comprehensive coverage and uninsured/underinsured motorist coverage.  

The following are some key factors that can influence the cost of motorcycle insurance: 

• Your age and riding experience
• The make, model and engine size of the motorcycle 
• Usage and mileage
• Where you live and park your motorcycle
• Coverage options and deductibles
• Your past claims history and driving record  

Does Boat Insurance Cover Theft? 

Boats may also be considered recreational vehicles. Boat insurance coverage may include the following:  

• Hull coverage
• Medical payments
• Property damage liability
• Bodily injury liability
• Uninsured/underinsured watercraft
• Personal effects coverage
• Emergency assistance and towing 

 
If you want coverage for theft, you will also want to opt for comprehensive coverage, or hull coverage, which is a combination of comprehensive and collision coverage. Comprehensive coverage may cover incidents such as vandalism, theft or severe weather. 

How to Get RV Insurance in Sumter, SC 

Contact Dixon Blackwood Insurance Agency to learn more about your insurance options. We can help ensure that you get the coverage you need.