What You Need to Know About Recreation Equipment Insurance

Are you an outdoors type of person who likes to spend your free time out on the water, traveling the countryside, or riding through the woods? If you are, the last thing you’ll want to be doing is wondering if your insurance coverage has you protected in case anything goes wrong. At C.K. Ash Insurance, we’ll help you be worry free so that you can focus on enjoying yourself.

RV & Trailer Coverage
When looking around for RV insurance, it’s important to consider a number of factors. For instance, liability coverage will provide you with both bodily injury and property damage coverage and will also cover your medical bills. You must also be aware of the stated value (market value of the RV), agreed value (insured value of the RV), and the replacement cost. A good policy also provides personal effect coverage which will provide replacement cost for damaged or lost items. Roadside assistance may also be included in your policy.

ATV, Golf Cart, Snowmobile Coverage
Most specialized vehicles aren’t covered under regular auto insurance policies, but many public parks require specialty vehicle riders to be properly insured before they’re allowed to use their trails. C.K. Ash Insurance will help you find the right policy (very similar to motorcycle insurance) and make sure you understand what is covered and not covered.

Boat Coverage
The average boat costs less than a dollar a day to insure. When you don’t have to worry about the safety of yourself or your investment, it’s much easier to enjoy the open water. When considering boat insurance, you must understand your navigational area. Some policies will cover you up to 75 miles off the coast. Agreed value coverage is the insured value of the boat and how much you will be getting back if it is completely stolen or destroyed. You must also consider both medical payment coverage as well as physical damage coverage which will cover the well-being of you, your boat, and your passengers. A personal effects coverage will provide you replacement costs for anything that may be lost in a boating accident.

Don’t worry anymore about whether you’re insured or not. Contact C.K. Ash Insurance today and we’ll make sure you’re covered.