Boat & Recreational Insurance

Advance Boat & Recreational Insurance

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Recreational Vehicle Insurance in Orem, UT, Salt Lake City, UT and surrounding areas

Make sure you have the right recreational vehicle (RV) insurance policy for your next trip.

 

An RV is a vehicle, but it’s so much more than that. In many ways, it’s like your home. How you use it will differ from how you use your car. You must therefore consider its unique aspects when insuring it.

 

Finding RV insurance policy doesn’t have to be hard. Let one of our agents at Advance Insurance guide you through the process of getting targeted yet affordable protection. 

Office Meeting - Orem, Utah - Advance Insurance

The Benefits of RV Insurance 

RVs are incredibly expensive. They usually far exceed the cost of the standard car. Therefore, you have to insure this vehicle with appropriate auto and property insurance. That will help you avoid costly losses from accidents during use.

 

Let’s say you have a wreck while on vacation in the vehicle. Or, maybe your RV catches fire at a camp site. Both accidents could be harmful to you and others. It will also likely create damage that is expensive to repair. If you have an RV policy, you can often get critical financial help paying for these losses. Consider coverage essential to your long-term security. 

What do RV Policies Cover?

RV insurance will include protection matching the driving and property risks associated with your vehicle. Some of the coverage you might need to carry includes: 

  • Liability Insurance:Insures you against damage you cause others if you are at-fault in a wreck.
  • Bodily injury liability coverage pays for their medical bills (and in some cases deaths)
  • Property damage liability pays for damage to the other driver’s property, like their car.
  • Collision Insurance:Covers damage to your own vehicle after a wreck.
  • Comprehensive Insurance:Pays for vehicle damage from non-accident mishaps, like weather damage.
  • Medical Coverage: Pays for your medical bills and those of your passengers.
  • Uninsured/underinsured Insurance:Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
  • Campsite and Vacation Coverage: Covers liabilities associated with using the RV as a vacation property.
  • Full Time Residence Insurance: If you live in the RV permanently, turn to this coverage.
  • Other coverage offers help for roadside assistance, rental car coverage, and expenses protection like emergency hotel bills.
  • Keep in mind, the exact policy you need may vary. You’ll want your coverage to protect the vehicle appropriately both during travel and stationary periods. Talk to one of our agents about how to tailor your own protection to your advantage. 

Contact us today

Don’t hesitate to get a quote on a personalized RV insurance policy right now! Contact us at 801-226-1100 or request an online quote today!

Watercraft & Boat Insurance Information

If you are contemplating purchasing a boat, you are going to want to make sure you can secure your investment from any hazards you may encounter on the water. Similar to any other vehicle, boats are at risk of accidents and you need to make sure you have the necessary boat insurance benefits to help you bounce back from any losses you may endure on the water. 

Advance Insurance is honored to be the preferred option for personalized insurance benefits in the Orem area. Unlike large, intimidating insurance companies, we strive to deliver our clients a simple and easy experience as we assist you in selecting customized, affordable benefits that will always be there when you need them. Our goal is for every client to walk out our doors with the satisfaction of having premier coverage to keep them safe in their day-to-day life. 

To receive your own customized boat insurance policy, call us at 801-226-1100 or request your free quote now! 

Common Boat Insurance Questions 

Why Do I Need Boat Insurance? 

Similar to cars, boats are also motorized vehicles. While you don’t operate boats on roads, the waterways have similar regulations including speed limits, traffic lanes and laws prohibiting drinking while boating. Due to this, whenever you take your boat out on the water, you face the same hazards and liabilities as you do when driving a vehicle on land. It is critical that you protect yourself and your property against the risk of expensive, unexpected challenges. If you are faced with a tragic event, boat insurance will aid in helping you get back on your feet. 

What is Covered Under Boat Insurance? 

Boat insurance includes a variety of different type of coverage, such as:

  • Physical Damage: This covers the boat and its attached fittings and fixtures from fire, theft, vandalism, wind, hail and collision.
  • Medical Payments: This covers medical expenses for the policyholder and their passengers after an accident.
  • Liability Insurance: This covers bodily injury and property damage the boater may cause to someone else in an accident.
  • Guest Passenger Liability Insurance: This covers expenses if a permissible passenger causes an accident while operating the boat.

Your plan can also contain a host of other benefits like:

  • Salvage Coverage
  • Pollution Liability Insurance
  • Tow Trailer Coverage
  • Agreed Value Insurance
  • Personal Effects Coverage
  • Fishing Equipment Coverage

How Much Boat Insurance Do I Need?

When starting your policy, our agents will assist you in selecting the level of coverage that best fits your needs. Our mission is to minimize your financial losses from any boating accident. Therefore, consider each of these questions:

How much would it cost to buy a new boat if mine is totaled?

 

What activities will I be doing on my boat?

 

Will I need to insure people on the boat if they get injured in an accident?

 

If I get sued because I was at fault for a wreck, how will I pay for the damage?

Determining what policies best fit you needs can help you determine what the best answer is to these questions. Your agent can help you in personalizing it to fit your needs and activities as the best price point possible.

 

Is Boat Insurance Required?

Boat Insurance is typically not required unless you are operating commercially. However, if you decide to finance your boat when you purchase it, your lender may require you to purchase a minimal amount of physical damage coverage.

What Does Boat Insurance Cost? 

Boat insurance rates may vary based on several factors, such as your:

  • Credit score
  • Claims/accident history
  • Value of the boat
  • Location

We completely understand that the cost of your boat insurance is important to you. Our team is committed to searching our network of carrier partners to put together the police benefits you desire, for a price you can afford. You can also bundle your boat insurance with your auto, home, or other personal insurance to maximize your overall savings.

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