Just say the word “recreational vehicle” and it conjures up images of fun and relaxation! However, just as we need auto, health, and life insurance, RV insurance, boat insurance, and motorcycle insurance are needed also—to protect those we love.
Here in California, we are all aware of the abundance of mountains, the ocean and lakes, scenic drives, and many more places where we (and tourists) can go to enjoy their recreational vehicles. Whether it be a motorhome, boat, van or motorcycle, you’re going to need to know that you and your loved ones are fully protected while you’re out and about enjoying the natural wonders and playgrounds in our great state!
Much like the need for automobile insurance, it is legally required for California bikers to carry motorcycle insurance as well. The coverage necessary for motorcyclists in California will also be quite similar to auto insurance in California, and will probably include bodily injury liability, property damage liability, collision coverage, comprehensive, and uninsured/underinsured motorists.
There are many other types and motorcycle insurance coverage, but just like all other insurance, it varies based upon your individual situation. Make sure you are properly covered before hitting the pavement, as motorcycling is considered high risk.
Whether you’re sailing on the ocean or boating at the nearby lake, we Californians know just how enjoyable and relaxing this pastime is. In fact, not too long ago, Californians owned seven percent of all registered boats in the U.S. However, many of those boats have no insurance.
Why is boat insurance important When it comes to boating, there is always a risk every time you go out on the water. Just a few years ago in California, there were about 400 reported boating accidents involving 52 fatalities and a few hundred injuries; along with these were nearly two million dollars of property damage.
NO. This is a common myth and misunderstanding which can lead to financial problems in the event something happens.
There are two categories of coverage in RV insurance: vehicle-related, and homeowners’-related. Because RVs are, in fact, vehicles, they need insurance. If the RV is also used as a “home,” there will generally be a lot of personal property inside—meaning other property damage and liability risks are inherent. This results in the need for a type of “homeowners’” insurance specifically designed for an RV; both types of coverage are included in one “RV Insurance” package.