Lawns are starting to grow. Lakes are warming up. ATV trails and campgrounds are opening for the season. It’s time to bring out (and insure!) the Maine summer toys! It’s important to enjoy the great outdoors safely and with peace of mind. We use them in every free moment we have through the warm months. We reluctantly put them away as late as possible in the fall. During all of the fun, we often forget to think about insurance. But, the fun disappears quickly if Things Happen without insurance!
You may not have coverage for our recreational vehicles under your current home or auto policies. For instance:
• ATVs and boats – Your homeowners policy provides limited liability coverage for ATVs (including UTVs) and boats. But, they need their own coverage for physical damage. In most cases, especially off your own property, they also need their own liability coverage.
•Trailers – Your tow behind camper and utility trailer have liability coverage under the auto policy for the vehicle towing them, but they also need their own coverage for physical damage. Accessories may not be covered without specifically adding them.
•Tractors – Depending on their size and usage, tractors may need special attention from your insurance agent.
•Motorcycles and motor homes – They are licensed for the road and are required to have liability coverage, but may not be eligible to be covered under your standard auto policy. Accessories require additional coverage, so make sure you tell your agent about them.
Tow-behind campers are covered for liability under the policy protecting the vehicle that is towing them. For coverage for physical damage to the camper itself, you need to add it to your policy.
• Classic cars & sports cars – As they are often stored for the winter, coverage can be suspended during that time. Don’t forget to call and put coverage back on before you hit the road!
• When in doubt, call, chat online, or send an email to your agent to insure your summer toys.