Recreational Vehicles
If you need insurance coverage for something with a motor that is not covered by a standard automotive insurance policy, Buffalo Insurance can help you. We work with hundreds of providers to help you find coverage for recreational vehicles and watercraft of nearly every type. Our carriers have recreational vehicles policies for ATVs, dune buggies, golf carts, mini-bikes, motorhomes, RVs, snowmobiles, jet skis and more. If you can ride it, Buffalo Insurance can find coverage for it.
What Are Recreational Vehicles Insurance Policies?
There is no doubt that recreational vehicles have boomed in popularity over the past few decades. As of now, there are over 11 million RV owners in the United States. As such, it should be no shock that they have their own type of insurance policy. It should also be of no surprise that RV insurance is required in every state. Recreational vehicle insurance policies are also known as RV insurance policies. However, the name of this insurance policy is a little misleading. While recreational vehicles insurance policies are used to cover RVs, the truth is that they cover so much more. One thing that is for certain here in the Sooner State is that we love our toys, and if it has a moter, we can ride it. RV insurance covers pretty much anything that has a motor and is not covered by a traditional personal auto insurance policy.
What Vehicles Are Covered by Recreational Vehicles Insurance?
There are many types of vehicles covered under recreational vehicles insurance. Of course, recreational vehicles are covered under RV insurance. However, you can also cover dune buggies, golf carts, mini-bikes, snowmobiles, jet skis, camper trailers, toy-haulers, and more. Depending on the insurer, some of these items are covered under different types of policies. For example, some insurers cover ATVs under motorcycle policies.
Recreational vehicles is a catch-all phrase that is used to encompass many different types of things with wheels or motors. The truth is that every insurer treats them differently. Some insurers include them under different policies, yet other insurers do not cover them at all. That is because each one of these items are very different and come with their own unique types of liabilities. To make the situation more complicated, different localities have different insurance requirements. You need to know what insurance is required of you in Norman, Oklahoma. Recreational vehicles insurance requires a true insurance professional in order to make sure you are covered properly. That is why you should trust the insurance professionals at Buffalo Insurance when it comes to protecting the people and toys you love.
What Is Covered by Recreational Vehicles Insurance?
Again, every insurer treats them differently. However, the types of coverage available are very similar to personal auto insurance policies. Here are a few the different types of coverage you can get for your various recreational vehicles:
Bodily Injury
If you get into an accident and injure someone else, bodily injury coverage will take care of their medical bills and other things, such as lost wages. This does not cover injuries to the riders of your vehicle. That is taken care of by personal injury protection, which is another coverage you can get for your recreational vehicle insurance.
Collision Damage
Collision coverage will cover the cost of repairs for your vehicle if it hits an object, such as a rock or mailbox, up to the limits of the policy.
Comprehensive Damage
Sometimes your vehicle can experience damage even if it is not in an accident. Your vehicle can be damaged from objects that fall on your car, like trees or hail, which is important to protect against in Norman, Oklahoma. Recreational vehicles insurance will protect you in these instances if you have comprehensive damage coverage.
Property Damage
Property damage coverage will take care of any damage caused to a third-party by you operating your vehicle.
Other Coverage
There are countless types of coverage and protections that you can get for your recreational vehicles. You can get coverage for roadside assistance, vacation liability, personal effects, uninsured motorist, and so much more. If there is a type of coverage that you are looking for, just ask. At Buffalo Insurance we have access to hundreds of different policy options that can give you the coverage you want at a price that fits your budget.
Buffalo Insurance Has the Recreational Vehicles Insurance You Need
Specialty vehicles require specialty insurance. The personal insurance professionals at Buffalo Insurance can help you find the perfect recreational vehicles insurance policy that is tailored to your special needs. Join the herd and let us connect you with hundreds of different policy options so that you can find the exact coverage you are looking for at a great value. At Buffalo Insurance we worked hard to protect you so that you can play hard without any worries. Contact us today and see for yourself why everything is better when you are a part of the herd.
