Recreation Insurance Myths

Do you own a recreational vehicle? If so, it’s important to make sure you have the right recreation insurance policy in place. Many people believe that their regular auto insurance policy will cover their RVs and other recreational vehicles, but this is not always the case. 

In fact, most standard policies don’t cover recreational vehicles. That’s why it’s important to research your options and find an insurance policy that meets your needs. In this blog post, we will debunk some of the most common recreation vehicle insurance myths.

Myth: All RVs are the same, so they all require the same insurance coverage.

There is a big difference between a Class A motorhome and a pop-up camper. The type of RV that you own will play a big role in determining the amount and type of coverage you need. For example, a Class A motorhome will typically require more coverage than a pop-up camper.

Myth: RV insurance is very expensive.

The cost of RV insurance varies depending on a number of factors, including the type and size of the RV you own, your driving record, where you live and more. However, there are plenty of ways to save on RV insurance. For example, if your home and auto policies are with the same provider, you may be able to get a discount. 

Myth: You don’t need RV insurance if you only use your RV for camping trips.

Even if you only use your RV for occasional camping trips, it’s still important to have the right insurance in place. If you’re in an accident or your RV is damaged or stolen, you could be left paying a high price without the proper coverage.

Myth: Your Auto or Home Insurance Policy covers your RV.

RVs require their own insurance policy. Your auto insurance policy can extend to your personal trailer, but once you unhitch and it is no longer connected to your vehicle, the coverage ends. Home insurance may provide some coverage while it is on your property, but it will not cover any damage that could happen while you travel. Only an RV insurance policy is able to provide full-time protection during travel and parked locations outside of your property.

Now that we’ve debunked some of the most common myths about recreation vehicle insurance, it’s time to start shopping for a policy that’s right for you. Make sure you’re getting the coverage you need to keep you and your family safe. 

If you’re looking at RV insurance options,  we encourage you to speak with your OKFB insurance agent about the coverage options available to you. If you have any other questions about insurance or need to be connected with an agent, please connect with us today. We are happy to help you find the coverage that best meets your home, auto, commercial and life insurance needs.  

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Why Do I Need Recreation Insurance?

Summer is right around the corner! This means, taking the boat out for a spin or hopping on an ATV is a high chance. While you are having fun, ensure your recreational vehicles have the right amount of coverage. Check out why a boat, motorhome, motorcycle, and off-road vehicles may need Recreation Insurance instead of Auto or Home Insurance.

1. Liability

Liability coverage under Auto or Home Insurance may not cover accidents that happen on a boat, motorhome, motorcycle or off-road vehicle. This is why having liability coverage on these vehicles could be critical in the event of a liability claim or lawsuit. Additionally, this coverage can help provide peace of mind while you’re out enjoying what Oklahoma has to offer. 

2. Medical Payments

Just like Auto Insurance, Recreation Insurance offers medical payment coverage. Now, you can enjoy spring and summer activities knowing you and your passengers are covered during the unexpected.

3. Damage

Accidents can happen at any time. For this reason, having collision or physical damage coverage on a recreational vehicle is critical. It provides coverage in the event of damage regardless of fault. Let us focus on securing your recreational vehicles, and you can focus on having fun. 

Insuring recreational vehicles with Recreation Insurance can provide the protection you need. With it in mind, you can rest easy and live in the moment this spring and summer. As can be seen, there are a lot of coverage options under our Recreation Insurance. If you have questions or would like to discuss coverage options, consult your local OKFB Insurance Agent today.

Safety Tips for Recreational Vehicles

Some of life’s greatest joys happen while sitting around a campfire, making a wake on the lake or cruising down a backroad. Whether you own a boat, motorcycle, off-road vehicle or motorhome, recreation insurance can help protect you and your vehicle from the unexpected. In addition to this insurance safety measure, you need to practice extra caution when operating any of these vehicles. Here are some of the safety tips to keep in mind for each recreational vehicle: 

Boat safety

Time spent on the water can leave you with lasting memories. Relax without worry, knowing you have taken these steps to ensure a safe boat ride or activity. 

  • Equipment: Everyone on board must have a life jacket of appropriate size available to them. Other equipment, including oars, a bailing bucket, a whistle, visual distress signals, navigation lights, a fire extinguisher and an anchor are also required by the U.S. Coast Guard to have on board while you boat. 
  • Operating tips: Make sure the person steering the boat is aware of the rules for safe boating. A few of the major rules to follow include: Check the weather beforehand, don’t exceed the boat weight or passenger limit, don’t drink and steer the boat, follow wake zone speed limits and always be aware of nearby swimmers. 

Motorcycle safety

Whether you’re taking your motorcycle for a long road trip or a short joy ride, it’s important to take steps to ensure a safe journey.  

  • Equipment: Always wear a helmet and limit the number of passengers to the number allowed on your specific bike. You should also consider wearing gear that protects you from debris, potential accidents and the weather. Leather jackets, sturdy boots and protective eyewear are all great items to help shield you from possible dangers. 
  • Operating tips: When driving a motorcycle, it’s always recommended to drive defensively. This means never assuming other drivers on the road can see you, since motorcycles are much less visible vehicles. To make yourself a little more visible, avoid driving in blind spots or driving too closely to other vehicles. Also, as with any other vehicle, check for weather that could cause hazardous driving conditions.

Off-Road Vehicle safety

Your weekend getaway may include straying off the main path and getting some mud on the tires. For your next off-road adventure, follow these safety tips: 

  • Equipment: Just like motorcycles, helmets are always a must on an off-road vehicle. Driving an open vehicle through rough terrain at accelerated speeds means there’s a great risk for head injury. Wearing gear like goggles, long pants and boots is also recommended to help protect you from flying debris or tall grass, limbs or rocks that could injure you. 
  • Operating tips: Never drive your off-road vehicle on highways, streets or paved roads. Regularly check your vehicle’s functions like steering, brakes and tires. Also, make sure you’re operating an off-road vehicle that’s right for your age and never allow passengers on a single-rider vehicle. 

About Recreation Insurance

Following these safety tips can help reduce your chances of an accident, but a small chance will always remain. Whether you have a boat, motorhome, motorcycle or off-road vehicle, recreation insurance can help cover your vehicle and passengers if something unexpected does happen. To learn more about the features offered in our recreational policies or to get a quote, contact an OKFB agent near you.