RV insurance is an important coverage because of the large investment you’ve made in your motorhome. It is also important because these are large vehicles that can cause major injuries and significant damage to other vehicles and property in an accident. Collision and comprehensive insurance limits are determined by you, the consumer. Be sure to consider how you will cover your costs if you are in an accident and do not have adequate coverage. It’s a mistake, on multiple levels, to blow off RV insurance. There are many valid reasons to take it seriously. Recreational vehicles, include all-terrain vehicles, motorhomes, snowmobiles, dirt bikes, golf carts, travel trailers… almost any conveyance that’s used primarily for fun. The Gansfuss Agency can protect your investment from top to bottom. With RV insurance, you can select many types of coverage, including vacation liability, full timer’s, emergency expense and more. Your RV insurance policy can also protect your traveling companions and your valuables when you’re on a trip.
Many homeowner’s policies will have a minimal amount of coverage for really small boats with either no engine or a very small engine, like a sailboat, but if you’re buying a boat or yacht, your homeowner’s policy is not going to cover you for what you need. Boats are unique and require their own policy. Your boat has nothing to do with your home, any more than your car can be covered under your homeowners insurance. Your home isn’t mobile. Your boat, like your car, can go anywhere, so it requires a separate policy. Like home insurance, a boat policy covers you for liability if someone is injured on your craft and gives you the choice between replacement cost or cash value in a total loss. Pollution cleanup has to be considered in a boat policy.
Like auto insurance, boat coverage typically includes coverage for bodily injury that your boat inflicts on others, property damage your boat inflicts on docks and other boats, and physical damage to your boat should you hit something or run aground. You can also purchase comprehensive coverage against theft, vandalism, fire and flood, personal property coverage for your fishing gear, uninsured boater insurance and even assistance in the event you need a tow.
Personal Water Craft
To operate a personal water craft (PWC) in the State of New Jersey, the driver must be at least 16 years of age and have a boat license or endorsement. There are few things more fun than riding around on a personal water craft. With that fun, however, comes certain dangers. Purchasing personal water craft insurance can help protect you from the financial risks involved with these activities
Riding a PWC is one of the most exciting things you can do on the water, but it can also be one of the most dangerous. Although statistics indicate that PWC’s are not involved in a significantly greater percentage of accidents than other water craft, the accidents involving PWCs are more likely to be serious or fatal. In order to ensure your own safety and the safety of others, there are a few basic guidelines you should remember every time you ride. First and most important, you must always wear a fitted, Coast Guard-approved lifejacket. Second, make use of whatever engine-stop accessory is provided by the manufacturer. For instance, many come with a lanyard that is placed around the wrist, which that will automatically shut off the engine if the driver falls. Once you are out on the water, constantly be on the lookout for other boats, skiers, divers, and swimmers. It can be difficult, especially in choppy water, to see swimmers and fallen skiers, so you must be constantly vigilant and keep a wide distance from boats and the shoreline. At the same time, do not use waves and the wakes made by boats as ramps. Many novice riders have been injured when they lost control of their craft after trying to jump off of waves. So that you may remain vigilant and alert on the water, never operate any water craft if you have had any alcohol or other drugs.
Since you can’t control everyone on the water, make sure you have adequate coverage for you and the ones you love.