Recreational vehicles bring excitement and adventure to vacations, weekend outings, and getaways. However, like any vehicle in West Hartford, CT, they are susceptible to accidents, damage, and bodily injury. At AllConnecticut Insurance, we provide the information you need to protect your recreational vehicles.
Boats
In Connecticut, boat liability insurance is generally not required for boat owners, depending on the size of the boat and its horsepower. However, there may be exceptions, which our agents can review with you. If your boat is financed, the lender will typically require insurance. Additionally, if your boat is uninsured, you may be restricted from anchoring at marinas that require proof of insurance.
ATVs
Just as cars and trucks must have insurance to operate on public roads legally, ATVs in Connecticut are also required to be insured. The state mandates that two- or three-wheeled motorized vehicles with a non-enclosed driver’s seat must be both registered and insured.
RVs
If you own a motorhome and plan to drive on the highways and byways of West Hartford, CT, the state requires RV liability insurance as well as uninsured or underinsured bodily injury coverage. Bodily injury liability insurance covers injuries you cause to another person, while property liability insurance covers damage to property or other vehicles for which you are responsible.
Uninsured/underinsured coverage protects you and your passengers in the event of injuries caused by another motorist who lacks sufficient insurance coverage.
Contact AllConnecticut Insurance
Staying safe is a priority whether you’re boating, exploring trails, or enjoying an over-the-road vacation in your motorhome. Having insurance, whether required or not, provides peace of mind and protects your investment. Let AllConnecticut Insurance be your partner in ensuring safe outings. Call us today to learn more.