Recreational Insurance
In Indiana

It's almost that time of the year when you take road trips, go to the beach, or explore the water bodies in Indiana and beyond. The best way to prepare to have the most fun during this time is to get recreational insurance. When many people hear about recreational insurance, they think it's similar to RV insurance, but that is not the case. Recreational insurance covers recreational products such as motorhomes, yachts, boats, motorbikes, ATVs, snowmobiles, and travel trailers.

Is Recreational Insurance a Must-Have in Indiana?

Suppose you are going to use your motorbike, Jet Ski, ATV, or any other recreational product in a public space in Indiana. In that case, you need to register it with the Indiana Bureau of Motor Vehicles (BMV). According to state law, all registered recreational automobiles must have some minimum insurance coverage for property damage and personal injuries that may result from an accident. This is because registered vehicles can be used on the street, increasing the likelihood of being involved in an accident. At Trestle Insurance Agency Inc. in Evansville, IN, we suggest you go beyond the minimum requirements when purchasing recreational insurance to give your asset and yourself optimal protection.

Can I Add My Recreational Product to My Auto or Homeowners Insurance Policy?

Well, it depends. Extending your homeowners' insurance policy to cover your watercraft is possible, but with some limitations. These limitations allow only small watercraft like canoes and kayaks and coverage for only some specific liabilities. Additionally, personal property coverage on a homeowner's policy only offers minimal coverage to not being kept in the "residence premises." Usually, only about 10% of the personal property coverage extends to an RV. In some instances, the personal property coverage on the homeowner's insurance policy doesn't extend any percentage to the RV.

Need Recreational Insurance in Indiana?

Trestle Insurance Agency Inc. in Evansville, IN offers unrivaled recreational insurance. Let us help you customize your recreational insurance policy for maximum protection. Contact us today for more insights on recreational insurance.