Recreational insurance is designed to protect your assets, toys, and upgrades. Many people view items like watercraft as investments, making it essential to understand your options for specialized hobbies and any legal requirements.
Legal Requirements
In many states, vehicles driven on public roads must have liability insurance. ATVs used off-road typically do not require insurance. However, if you plan to drive a snowmobile on the road, you’ll need liability insurance that complies with state regulations.
Additionally, many marinas require liability insurance to park your watercraft. While this may not be a legal requirement, lenders often mandate insurance if you finance a purchase. To learn more about specific requirements in West Hartford, CT, consult an agent at a company like ALLConnecticut Insurance.
Asset Protection
The primary reason people choose full coverage recreational insurance is to safeguard their investments. While replacing a four-wheeler may not seem costly, upgrades alone can be worth thousands of dollars. Many insurance providers can help you create a policy tailored to your needs, ensuring coverage in case your recreational items are damaged or stolen.
Bodily Injury
Accidents can happen, and policies for vehicles like ATVs and jet skis often include bodily injury coverage. This type of coverage can help pay for your medical bills if you’re injured. Additionally, if an accident involves another person, it may cover liability costs related to their injuries.
It’s important to understand this type of coverage before making a significant purchase for your hobby. Experienced agents at ALLConnecticut Insurance are ready to assist you. Contact us today to learn more. We proudly serve the West Hartford, CT, area.