Are You Legally Obligated to Purchase Recreational Insurance?

Recreational insurance is designed to cover recreational vehicles such as RVs, classic cars, ATVs, and snowmobiles. Common forms of coverage include liability insurance, property damage insurance, and bodily injury coverage.

Do You Need Recreational Insurance?

Oklahoma law requires drivers to purchase RV insurance. If you drive your classic car, you’ll also need auto insurance. While boat owners in Oklahoma City, OK, aren’t legally required to insure their boats, and there are no laws mandating ATV owners to purchase coverage, if you financed your recreational vehicle, your lender will likely require a comprehensive recreational insurance policy. Furthermore, marinas often require boat owners to show proof of insurance before docking their boats. If you sail your boat to Arkansas, Utah, Canada, or Mexico, you’ll need to purchase the minimal boat insurance required by law in these locations.

Even if you aren’t obligated to do so, buying recreational insurance is wise. Recreational insurance can provide compensation if your vehicle is damaged or destroyed by a named peril. It can also protect you from financial ruin if you’re involved in an accident and the other party sues you.

Recreational Insurance Options from Vance Insurance Group LLC

Vance Insurance Group LLC serves recreational vehicle owners in and around Oklahoma City, OK. We offer standalone policies and policy bundles to ensure you get the best deal on the insurance of your choice. We also provide personalized advice and assistance to help you choose the insurance that offers the protection you need at a reasonable price. Contact us to learn more about your options or to get policy quotes.