As the weather heats up and school is out, it’s time to take your summer toys out of storage and get them ready for some South Carolina fun. Take the boat to the lake, head to the mountains in your RV, explore the woods in your ATV, and uncover the pool. It’s time to play! But first, make sure you have the right insurance coverage to keep you and yours safe and protected.
Accidents involving summer toys can lead to significant property damage and potential lawsuits. And thieves never take the summer off. That’s why it’s crucial to review your insurance policies and ensure you’re fully protected.
Here are some tips for insuring your summer toys — and your summer fun!
RV Insurance
Finding the right coverage for your RV can be tricky since it’s more than a car but not quite a house. RV insurance combines the necessary coverage of auto and home insurance so you’re covered on the road and in your home away from home. Coverage might include collision, liability, personal property and even roadside assistance. Review your policy thoroughly to ensure you have the best insurance to protect your home on wheels at an affordable rate.
Boat and Watercraft Insurance
Whether you own a powerboat, jet ski, pontoon or sailboat, you need more coverage than you would get with standard homeowners insurance. If you are unfortunate enough to have an accident on the water or getting there, medical bills, repair costs, and other expenses start piling up fast. Boat insurance not only covers damage to the vessel but can also cover liability for any injuries or damage caused by you or a guest operating the boat.
There are many types of coverage available: liability, uninsured or underinsured, comprehensive collision, towing, and salvage. You can even get coverage for the contents of the boat including personal items.
Motorcycle or ATV/UTV Insurance
Did you know that your auto and homeowner’s policies don’t cover motorcycles or ATVs? You’ll need a separate motorcycle policy or recreational vehicle endorsement. Motorcycle insurance, which can be costly depending on your driving record and bike or vehicle type, is similar to auto insurance and includes collision, comprehensive, and liability coverage. Make sure you carry sufficient liability insurance to cover any financial obligations in accidents and verify that passengers are included, as they often are not.
Golf Cart Insurance
Many people mistakenly believe their golf carts are covered under existing insurance policies. Most homeowner policies offer limited coverage, especially once the cart leaves your property. Consider policies specific to golf carts, like ATV or motorcycle coverage, to avoid unexpected expenses.
Trampoline and Pool Insurance
Trampolines and pools are synonymous with summer fun, but they also come with their own risks, notably injuries. Homeowners insurance policies may cover these items, but it’s essential to check if additional liability coverage is needed. Accidents can happen, and without proper coverage, you could be on the hook for medical bills or legal fees if someone is injured on your property.
Make sure you talk to one of our agents about getting the right insurance for all of your summer toys. We’ll even let you know if there are any discounts available when you add policies to your existing coverage.
We hope you’re out there making the most of your summer! Feel free to give us a chat or a call to make sure that your toys have the right insurance coverage so you can enjoy your summer adventures with a little more peace of mind. Have fun and stay safe out there!
