Are Your “Toys” Properly Protected?

A couple sitting together in chairs by a camper trailer in an RV park, drinking coffee.

Do you have adequate protection for your recreational investments like boats, travel trailers, and motorcycles? Standard coverage may not include add-on equipment and accessories so it’s important to understand exactly what’s listed in your policy and what deductibles and limits are in place. There are several optional coverages available so you can tailor your policy to match your needs.

Your policy may only cover the standard items on your watercraft and only those caused by specific events. Coverage you may want to add include:

  • Boat trailers – Covers damage to the trailer, whether it’s stored at your home or a recreation area.
  • Medical payments – Provides medical coverage for someone who is injured while on your boat.
  • Fuel spill liability – Pays for the containment and clean-up of a spill and property damage to other people caused by your spill.
  • Boat accessories – Covers expensive add-ons, such as radar.
  • Ice and freeze coverage – Protects your engine and water systems from damage caused by ice or extreme cold.

Travel Trailer
The world of camper insurance offers a wide range of options. Here are some popular optional coverages you may want to add for peace of mind:

  • Roadside assistance – Offers services such as towing, flat tire repair, fuel delivery, and jump-start.
  • Personal belongings – Protects personal items such as clothing, electronics and appliances.
  • Total loss replacement – Ensures you receive a new travel trailer of the same make and model if yours is deemed a total loss.
  • Underinsured/uninsured motorist – Covers medical expenses and damages if you’re involved in an accident with an underinsured or uninsured driver.
  • Storage – Reduces insurance costs if your camper is in storage for extended periods of time.

Motorcycle insurance coverage needs vary depending on how often and how far you ride, and whether you’ve done expensive customizations. Here are some of the most common add-ons:

  • Trip interruption – Helps pay expenses such as lodging, transportation, and food if your bike is disabled in a covered event far from home, typically 100 miles or more.
  • Roadside assistance – Includes towing and labor at the site of your bike’s breakdown.
  • Custom parts, equipment, and accessories – Ensures customized parts such as chrome, saddlebags, and other personal touches are covered.
  • Transport trailer – Covers the trailer used to transport your motorcycle.
  • Lay-up – Saves you money if you put your bike in storage part of the year.

Westwood also offers coverage for jet skis, pop-up campers, all-terrain-vehicles, scooters, and more. If you own a recreational vehicle, speak with a Westwood agent to ensure you have the coverage you need to enjoy your outdoor hobbies with peace of mind.

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.