There is no doubt that we have all be feeling a bit cooped up lately, first by winter, then by Stay at Home Orders. However, like everything in life, it will pass.
Wisconsin is now opening state parks, and many campgrounds are also opening with restrictions. Whether it is this summer, fall, or beyond, when you head out for a camping adventure, there are a few things that you should consider about your insurance.
Summer outings involve equipment and toys that pose unique risks:
- RVs—Today’s RVs are loaded with the comforts of home—in fact, they are a blend of home plus auto; therefore, it’s no surprise that appropriate insurance coverage is a blend of homeowners and auto insurance.
- Trailers—Even those who opt for a cabin or tent instead of an RV often attach a trailer to the car to transport equipment. Tents, tarps, fishing tackle, life preservers, jet skis, kayaks, ATVs—you get the picture.
- Most homeowners policies provide liability coverage for motorboats with up to a 25 horsepower outboard and sailboats less than 26 feet long.
- Many auto policies provide some liability coverage for a trailer.
With any insurance, however, the devil is in the details. You need to check about limitations on and exceptions to coverage. For example, you may not be covered for comprehensive claims—that is, damage to your trailer resulting from severe weather or vandals.
Check with your agent to find out coverage details. Explore the extent of coverage you have for expenses resulting from everyday situations:
- If somebody is injured while on your property, or through the use of your boat or other equipment (liability coverage)
- If your RV, trailer, or other property is being transported and is damaged or destroyed by an accident (collision coverage) or by theft, fire, or severe weather (comprehensive coverage)
- If the person responsible for damaging your property is uninsured or underinsured
- If you need roadside assistance or emergency expense coverage
- If your personal property is inadequately insured
- If you plan to live in your RV, should you have “full-timers” coverage
The kind of accidents and nature of likely loss is different during the summer. You won’t skid on the ice, but your trailer may become detached and damaged. When enjoying the outdoors, you are more likely to experience severe weather. Summer toys like motorboats and water skis are expensive to replace. It is a lot harder to swim for help if your boat breaks down than it is to walk if your car breaks down.
The agents at Mayville Insurance have been advising residents of the Mayville area for years. An agent can outline your current coverage and make recommendations on additional coverage if needed. Call 920-387-2140. As an independent agency, we work with several reputable insurance companies and will do our best to find you the coverage you need at an affordable price.