Elmhurst Recreational Vehicles Insurance

Recreational Vehicle Insurance Explained

What does Boat insurance cover?

A boat insurance policy Could include:

Bodily Injury Liability - For people you may injure in a boating accident
Property Damage Liability - For property like other boats or docks that you damage in a boating accident
Medical Payments coverage - Can help pay for medical bills from injuries suffered by you or others while on the boat.
Un-Insured and Under-Insured Boaters Bodily Injury - For Bodily injuries suffered by you or others on your Boat if you're struck by an Un-Insured or Under-Insured Boater.
Collision coverage - Will cover the damage to your boat (subject to the deductible that you select) if you are at fault in a boat accident or are hit by an Un-Insured or Under-Insured Boater
Comprehensive coverage - Will cover damage to the Boat (subject to the deductible that you select) from Weather related claims, Theft, Vandalism and falling objects in or out of the water.
Personal Property - (Subject to the deductible and the limit that you select)This could include Fishing Gear, Clothes, and many other items considered personal property. Coverage may be limited on certain items depending on the carrier
Towing/Haul out coverage - if your boat breaks down or is in an accident and needs to be towed or taken out of the water.

What is a personal water craft?

Jet Skis, WaveRunners, and Seadoo's are the three most popular personal watercraft. However, any vessel that is less than 13ft long, motor driven and designed for the use of one or more people to sit or stand on (not like a boat where you sit IN a boat) meets the Coast Guard Definition of a Personal Watercraft.

What does Personal Water Craft insurance cover?

A Personal Watercraft (PWC) Insurance policy Could include:

Bodily Injury Liability - For people you may injure in a PWC accident
Property Damage Liability - For property like other PWC, Boats or Docks that you damage in a PWC accident
Medical Payments coverage - Can help pay for medical bills from injuries suffered by you or others while on the PWC.
Un-Insured and Under-Insured PWC Bodily Injury - For Bodily injuries suffered by you or others on your PWC if you're struck by an Un-Insured or Under-Insured PWC or Boater.
Collision coverage - Will cover the damage to your PWC (subject to the deductible that you select) if you are at fault in a PWC accident or are hit by an Un-Insured or Under-Insured Boater/PWC.
Comprehensive coverage - Will cover damage to the PWC (subject to the deductible that you select) from Weather related claims, Theft, Vandalism and falling objects in or out of the water.
Personal Property - (Subject to the deductible and the limit that you select)This could include Fishing Gear, Clothes, and many other items considered personal property. Coverage may be limited on certain items depending on the carrier
Towing/Haul out coverage - if your PWC breaks down or is in an accident and needs to be towed or taken out of the water.

What does Snowmobile Insurance Cover?

A Snowmobile Insurance policy Could include:

Bodily Injury Liability - For people you may injure in a Snowmobile accident
Property Damage Liability - For property like other Snowmobiles or structures that you damage in a Snowmobile accident
Medical Payments coverage - Can help pay for medical bills from injuries suffered by you or passengers while on the Snowmobile
Un-Insured and Under-Insured Bodily Injury - For Bodily injuries suffered by you or others on your Snowmobile if you're struck by an Un-Insured or Under-Insured Snowmobiler or other vehicle
Collision coverage - Will cover the damage to your Snowmobile (subject to the deductible that you select) if you are at fault in a Snowmobile accident or are hit by an Un-Insured or Under-Insured Snowmobile or other vehicle
Comprehensive coverage - Will cover damage to the Snowmobile (subject to the deductible that you select) from Weather related claims, Theft, Vandalism and falling objects.
Personal Property - (Subject to the deductible and the limit that you select)This could include many items considered personal property. Coverage may be limited on certain items depending on the carrier
Towing coverage - if your Snowmobile breaks down or is in an accident and needs to be towed

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What does Recreational Vehicle insurance cover?

A Recreational Vehicle Insurance policy Could include:

Bodily Injury Liability - For people you may injure in a Motorhome accident if your RV is a Trailer, this will be covered from the vehicle pulling the trailer
Property Damage Liability - For property like other Vehicles or structures that you damage in a Motorhome accident, if your RV is a Trailer, this will be covered from the vehicle pulling the trailer
Medical Payments coverage - Can help pay for medical bills from injuries suffered by you or passengers in a motorhome, if your RV is a Trailer, this will be covered from the vehicle pulling the trailer
Un-Insured and Under-Insured Bodily Injury - For Bodily injuries suffered by you or others in your motorhome, if you're struck by an Un-Insured or Under-Insured vehicle, if your RV is a Trailer, this will be covered from the vehicle pulling the trailer
Collision coverage - Will cover the damage to your motorhome or trailer (subject to the deductible that you select) if you are at fault in a RV accident or are hit by an Un-Insured or Under-Insured vehicle
Comprehensive coverage - Will cover damage to the RV (subject to the deductible that you select) from Weather related claims, Theft, Vandalism and falling objects.
Personal Property - (Subject to the deductible and the limit that you select)This could include many items considered personal property. Coverage may be limited on certain items depending on the carrier
Towing coverage/roadside assistance - if your RV breaks down, has a flat or is in an accident and needs to be towed
Vacation Liability - Provides protection if an accident happens on the premises while the RV is being used as a temporary residence. Usually RV coverage for comprehensive and collision coverages is also required to add this coverage

What is an RV?

For Insurance purposes a Recreational Vehicle policy (RV) can cover a:

Motorhome
Camper
Pop-up Camper
Travel Trailer
5th Wheel Travel Trailer

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It's As Easy As 1 - 2 - 3

Step 1.

You Request A Quote

Fill out a contact form, call or text us to provide us basic information.

Step 2.

We Present Your Quotes

After we find the best quotes for you and your needs, we will present them to you.

Step 3.

Your Customized Coverage Starts

After we get the final rate for you, you decide on what date you want your new policies to start.

Get An Insurance Quote Today!

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Frequently asked questions

Don't see your question? Feel free to fill out the contact form, call us or even shoot us a text at 224-877-2242. We will reply as soon as we can. Usually within a few hours.

Can I insure a golf cart?

Yes. Even though Golf Carts are usually used off roads or in private communities, many of the same coverages that are available on car insurance are available for Golf Carts. Including Collision, and Comprehensive coverage.

Can I insure a UTV?

Yes. Even though UTV's are usually used off roads, many of the same coverages that are available on car insurance are available for UTV's. Including Collision, and Comprehensive coverage.

How Much does ATV Insurance cost?

Like all Insurance, this answer largely depends on the people who are driving the ATV and the value of the ATV.

Can I insure an ATV?

Yes. Even though ATV's are usually used off roads, many of the same coverages that are available on car insurance are available for ATV's. Including Collision, and Comprehensive coverage.

Is insuring a Golf Cart Expensive?

Everyone's opinion of "Expensive" is different. Generally a Golf cart is less than most people expect it to be.

Is recreational Vehicle Insurance Expensive?

Like all Insurance, this answer largely depends on the people who applying for insurance and the value of the RV.

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