Month: October 2024

If you’re a recreational vehicle owner, you’ll likely need to get it insured. Your standard car insurance policy won’t cover vehicles that fall under this category. Instead, you will need to get specific recreational insurance to cover your vehicle. While this may sound confusing, our agents at Atlas Insurance Agency in Southeast Michigan are here to help. Below, we’ll explain the differences and when you’ll need recreational insurance instead of car insurance.

Car Insurance vs. Recreational Insurance

Car insurance is designed to cover a vehicle in the event of an accident. These policies often include liability, collision, comprehensive, and uninsured/underinsured coverage. However, they are generally used for commuting vehicles, not recreational ones.

Recreational vehicles include specialized vehicles such as RVs, campers, boats, motorcycles, and more. The policies for these vehicles are a bit different, as they are designed to cover more elements than your standard car insurance policy. They often include liability, collision and comprehensive, personal effects, emergency roadside assistance, and more.

Is Recreational Insurance Required?

The laws vary from state to state, but Michigan requires all recreational vehicles to be insured. Generally, any RV over 10,000 pounds in gross weight will need to be insured. Any boats with over 25 horsepower will also need recreational insurance coverage.

However, coverage needs may vary depending on your recreational vehicle type. Some may require more or less coverage, while others may need very specific policies. Therefore, it’s important to discuss your options with a professional.

How We Can Help

The team at Atlas Insurance Agency in Southeast Michigan understands that selecting the right policy can be confusing. If you’re unsure whether you need recreational insurance for your vehicle, contact our offices today. We’ll help you explore your options and guide you to a plan that fits your needs.