Summer in Ohio is a time for adventure—whether you’re cruising on a motorcycle, exploring trails on an ATV, relaxing on a boat, or camping in your RV. These recreational vehicles offer joy and freedom, but they also come with responsibilities. Proper—and adequate—insurance coverage ensures your summer fun doesn’t turn into financial stress.
Why Insure Your Summer Vehicles?
Recreational vehicles are more than just fun—they’re valuable assets that carry serious risks. Whether it’s a motorcycle, boat, ATV, or RV, these vehicles are often exposed to higher chances of accidents, theft, weather damage, or liability claims. And because they’re used in unique environments—off-road trails, highways, lakes, or campgrounds—those risks aren’t always covered by standard homeowners or auto insurance.
Many people assume these vehicles are fully protected under their existing policies, but the truth is, most aren’t. Or if they are, the coverage is minimal—barely enough to cover a dent, let alone a serious accident or replacement cost. That’s where adequate insurance comes in.
Adequate coverage means having the right types of protection in the right amounts—not just the legal minimum. It means thinking ahead, so if something unexpected happens, you’re not left paying out of pocket or cutting your adventure short. Whether you’re injured, your vehicle is totaled, or someone else gets hurt, proper insurance can be the difference between peace of mind and a financial mess.
Coverage Essentials
Motorcycles:
Ohio law mandates motorcycle insurance, but legal minimums are rarely enough. You’ll want comprehensive, collision, and uninsured motorist coverage to fully protect yourself—physically and financially.
ATVs & Golf Carts:
Coverage needs vary widely depending on how and where you ride. Make sure your liability limits are high enough and consider comprehensive and collision for better protection.
Boats & Personal Watercraft:
Most homeowners policies only cover small boats with low-horsepower motors—and even then, coverage is limited. For anything more, you’ll want specialized boat insurance that covers liability, damage, towing, and theft
RVs & Campers:
An RV is a home and a vehicle all in one. Adequate insurance should reflect that dual role—with liability, collision, comprehensive, and personal property coverage included.
Tips for Optimal Coverage
- Don’t Assume You’re Covered: Your auto or homeowners insurance might not extend to your recreational vehicles—or not adequately.
- Bundle Policies: Combining multiple vehicles can lead to better rates and more cohesive protection.
- Assess Usage Honestly: Where and how you use your vehicle affects what coverage is appropriate.
- Review Annually: Update your policies as your vehicles or habits change.
Conclusion
Ensuring your summer vehicles are insured is step one. Step two? Make sure they’re insured adequately. The right coverage can mean the difference between a minor inconvenience and a major setback.
At Preferred Insurance Center, we help you enjoy your adventures with confidence and clarity.
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