Recreational Insurance in Nevada
Recreational Insurance is a broad category that covers recreational vehicles. These include RVs, campers, ATVs, and watercraft. Recreational vehicles can provide lots of fun and memorable experiences. However, you don't want to end up with bills to remind you how much fun you had. At Leo Insurance Group in Las Vegas, NV, we provide recreational insurance for many different recreational vehicles in Nevada.
Home and Auto Policies
In some cases, your home or auto policy will provide some coverage for your recreational vehicle. RVs like fifth wheels that are pulled behind your vehicle are often covered under your auto insurance policy. ATVs that are on your property may be covered under your homeowner's policy. However, it's still a good idea to invest in recreation insurance. Even if your vehicle is already covered, it may not provide all the protection you need.
Do I Need Recreational Insurance?
Laws regarding recreational vehicles vary from state to state. If you own an RV that is driven instead of towed, you are required to have liability insurance. Some areas may require you to have liability insurance to drive an ATV. Only two states require boat insurance. If you have a lien on your recreational vehicle, your lender will likely require you to maintain full coverage insurance to protect their investment.
Even if you aren't legally required to have recreational insurance, it's still a smart move. Accidents happen. The injuries and damages caused by accident can cause you to lose more than your recreational vehicle. They can have long term financial implications. You'll be better able to enjoy your activities knowing that you are covered in the event of an accident.
At Leo Insurance Group in Las Vegas, NV, our agents take the time to speak with you about your specific insurance needs. We will learn what type of recreational vehicle you own, where and how often you plan to use it and discuss legal insurance requirements. We will then help you select the right policy based on your needs.