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12111 Spring Cypress Rd
Suite A
Tomball, TX 77377

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What You Need To Know About Recreation Insurance

Keeping your recreational vehicles and toys properly insured is the best way to keep the good times rolling. At Great Southern Agency serving Tomball, TX and surrounding areas we want to help our clients have fun the safest way possible. Keep reading to learn about the different types of recreation insurance. 

RV Insurance 

RV insurance can be used to cover your recreational vehicles such as campers and RVs. These types of vehicles will need the proper insurance coverage in order to be on the road. It is also important that you have these items covered with insurance so that your personal belongings within the RV will also be protected. 

Boat Insurance 

If you own a boat or watercraft, proper insurance is the only way to protect your investment in your watercraft. It is also the best way to protect yourself from liability should someone get injured on your boat or because of your boat. 

ATVs

ATVs or all-terrain vehicles pose a particular risk to owners and riders. Because these vehicles are often taken into off road situations, the chance of wrecks or injuries is high. Having these vehicles properly insured will mean that should an accident happen you will not be held liable for injuries or damage. 

Motorcycle Insurance 

Motorcycles can be covered under recreational vehicle policies if they are not used as a primary mode of transportation. You can talk with an insurance representative to find out if your bike qualifies for this type of policy. 

If you would like to learn more about our services, or if you are interested in recreational insurance policies, please contact us at Great Southern Agency, serving Tomball, TX and surrounding areas. 

4 Things to Know about Texas Recreational Insurance

Tomball, TX, is nestled near the national forest and is home to all types of outdoor activities. Non-passenger automobiles such as golf carts, four-wheelers, Jet Skis, and ATVs make playing outside more enjoyable. These types of vehicles are covered by recreational insurance, sometimes also called toy insurance. At Great Southern Agency, we know you deserve to play with peace of mind. 

Not Covered by Homeowner’s Policy

Outdoor toy vehicles are typically not covered by a homeowner’s insurance policy. Even though many of these types of vehicles require a title, but not necessarily registration, it’s still essential to take out liability insurance policies on each of them. If you’re involved in a collision or property damage results due to one of these toys, you can be held liable. 

Responsibility if Stolen

Suppose your ATV, golf cart, boat, crawler, or other recreational vehicle is stolen and involved in an accident. In that case, you, as the owner, can still be held responsible for the resulting property damage and medical bills. Being financially accountable can be devastating, even though this unfortunate situation may have happened through no fault of your own. A good liability policy can give you more security.

Insured at Cash Value 

Many of these vehicles are insured only at actual cash value at the time of accident or loss. For example, if you paid $7,500.00 for a recreational toy vehicle, but after five years, it’s now only worth $2500.00, you might be overpaying for insurance. The insurance policy may not pay out the original cost of the vehicle. 

Be Aware of Modifications

The State of Texas is particular about what each recreational vehicle or toy vehicle needs to stay classified as a specialty vehicle. If significant modifications are made, it may no longer be classified under a recreational category. If this happens, an insurance company might cancel future coverage for that recreational toy vehicle. 

Contact Great Southern Agency

Faithfully serving Tomball, TX, and the surrounding areas, Great Southern Agency is happy to help you pick the right Texas recreational insurance for your needs. Contact us today for a free quote!