Recreational Vehicles: Snowmobiles, Golf Carts, and ATVs

 

True or False?

Your recreational vehicle is covered under your homeowners policy.

 

False. If you drive your recreational vehicle on your own property, your homeowners policy will extend liability coverage to you, but once you leave your property, you are not covered.

 

If this statement comes as a shock to you, speak with your agent today and make sure you are not riding around uninsured. Your agent will need the following information in order to add coverage:

  • Year
  • Make
  • Model
  • CCs
  • Use of the unit
  • All driver information

 

The types of sports vehicles included under the recreational vehicle designation are those not subject to motor vehicle registration (with the exception of snowmobiles) and are designed for travel off of public roads. Examples include snowmobiles, golf carts and ATVs. Three-wheelers are ineligible, and snowmobiles over 600 CCs are generally unacceptable and will not be covered through most companies.

 

If you use your recreational vehicle to transport people  or property for compensation, rent a unit to others, or use a unit for business purposes, different insurance coverage needs to be applied. Your insurance agent can assist you with this.

 

If you are the owner of a Utility Terrain Vehicle (UTV), also referred to as side-by-sides, check with your insurance agent to see whether your insurance company offers coverage for these vehicles. Some, such as Pioneer Mutual Insurance Company, do not write coverage for UTVs due to the major safety concerns that come with these off-road vehicles. Pioneer also does not write coverage for dune buggies, which many of the newer UTVs are made for dune riding.

 

Your insurance agent is your best resource for understanding coverage for recreational vehicles. Therefore, if you have any questions, give the Reno Agency a call today at 269.792.2232.