Explore Insurance for your Outdoor Toys

The sun is out, the weather is warm, and summer vacation is calling! As you dream about hitting the open road with the wind in your hair on your motorcycle, or packing the family into the RV with your boat or jet ski in tow, take a minute to review your insurance coverage on those favorite summer toys so the fun never has to end.

Hitting the water?

Don’t leave the dock without making sure you have the right watercraft insurance to keep you riding waves all summer long! Sparks Insurance can help you make your time on the water relaxed and worry-free with the right coverage.

Things you need to know about boat and watercraft insurance:

• Know where you are covered in the water, does your policy have coastline restrictions?
• Boats depreciate just like automobiles, and an actual cash value policy can make it difficult to replace a boat that has been stolen or destroyed. Does your policy have agreed value or actual cash value?
• Does your coverage have liability and medical payment coverage?
• If your boat were to sink or have serious damage, there is a chance it could leak oil into the water. Does your policy have fuel spill liability and wreckage removal coverage?

Prefer to travel the open road?

Whether it’s your motorhome, travel trailer, pop up camper, or even your horse trailer there is coverage to protect you on the open road. Just like your auto insurance, your RV insurance is there in case of an unfortunate accident. Sparks Insurance can help you select the right coverage for your transportation of choice for exploration this summer.

Things you need to know about RV insurance:

• RVs for personal, recreational use can be insured for up to 250 days per year.
• Do you have coverage for stated value, agreed value, or replacement cost? This can make a difference should you suffer a total loss.
• Consider vacation liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence.
• Does your policy include roadside assistance?
• Do you have personal effect coverage for items normally used in your RV? 

Do you prefer speed and being outdoors?

There’s no shortage of ways to get outside. Whether you’re hitting the trail, playing the links, or just enjoying the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected. When it comes to motorcycles, ATVs, dirt bikes, mopeds, and even golf carts – Sparks Insurance has your covered.

Things you need to know about specialized vehicles and motorcycles:

• Most of these aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property.
• Many national, state, or other public parks require specialty vehicle riders to be properly insured.
• Did you know you can get coverage for custom parts and equipment?
• Does your policy have collision coverage? Property damage liability? Bodily injury liability?

Whether on the water, on the road, or on the trail this summer – Sparks Insurance is here to help give you peace of mind, making sure your toys are properly insured. No one plans for an accident, but they do happen when you least expect them, and the last thing you want is to worry about how to pay for repairs or cover the cost of damage or injury. Give us a call today and let us set you up for fun in the sun this summer!