As the weather warms up, many Americans are gearing up for fun in the great outdoors. Now is the time to plan your adventures, from road trips and camping to water activities and off-road exploration.

Many of these activities will involve vehicles or watercraft, so it’s important to make sure you have adequate insurance protection.

Typically, Recreational Vehicle Insurance Covers the Following:

• Repair or replacement of your recreational vehicle if damaged or stolen.

• Financial protection if someone is injured by your vehicle.

• Coverage for damage to someone else’s property while driving.

• Expenses for legal fees up to your policy’s limit.

Here’s a look at some of the most popular recreational vehicles and the type of coverage you may need for them:

RVs

More than 8 million households own an RV, and 17 million are interested in buying one in the next five years. If you own one or plan to, an RV insurance policy may cover risks similar to auto insurance, such as liability, uninsured motorists, comprehensive, and collision.

Policies may also include protections for the unique risks of RV travel, such as coverages for personal belongings, pest damage, and emergency expense for lodging and travel if the RV becomes unusable while on the road.

Watercraft

Millions of vacationers will take to the water for recreation on the ocean or in lakes and rivers. Beyond core liability and damage coverages, policies may also cover extended risks, such as replacement cost, on-water towing and other assistance, and water sports coverage, including injuries and damages caused by activities such as tubing, knee boarding, and wake surfing.

All-Terrain Vehicles (ATV) and Utility Vehicles (UTV)

In case of a total loss of an ATV or UTV, recreational vehicle insurance may provide the full manufacturer’s suggested retail price for a new vehicle.

In addition to coverage for basic damage, liability, theft, and medical payments, it’s important to consider extra medical coverage, roadside assistance, and special coverages for a transport trailer and custom parts, equipment, and accessories.

Exploring the outdoors with recreational vehicles makes for enjoyable and exciting times with family and friends. Keep your adventures on track by contacting a Westwood agent before you leave to make sure you have the protection you may need.

Please Note: This article is for general informational and educational purposes only. It does not represent any specific insurance policy and does not modify any provisions, limitations, or exclusions of any current policy.