December 15, 2023

Recreational Vehicle Insurance: Protecting Your Holiday Haul

An ATV on a frozen lake with an ice fishing auger nearby.

It’s just before sunrise on Christmas morning and Dad is the last one asleep. Out in the driveway, with last night’s dusting of snow crunching under his boots, his oldest son fusses with the bow on a brand-new ATV. Mom watches the final preparations from the kitchen window with a smirk. She’s already backed Dad’s outdoorsman dreams with a smart investment: a tailored ATV insurance policy.

Motorcycles, snowmobiles, all-terrain vehicles (ATVs), and boats give thousands of Wisconsinites a path to year-round freedom and adventure. Of course, that enjoyment and exploration need to be balanced with responsible ownership and operation. The right insurance will let you legally operate leisure vehicles on our great state’s roads, trails, and bodies of water with maximum peace of mind. 

Why do I need ATV insurance, boat insurance, or snowmobile insurance?

Besides the obvious legal requirement, accidents can happen to even the most cautious motorists and boaters. When they do, the resulting bills quickly add up to thousands of dollars or more. Recreational vehicle insurance covers a wide range of damages and injuries, helping you avoid out-of-pocket expenses that might otherwise wipe out your savings. Let’s review some of the protection you can find through Lindow’s provider network.

Collision Coverage 

If your accident involves an impact – especially one with another vehicle – collision coverage steps in to help with resulting claims and reimbursement.

Personal and Passenger Liability Coverage

Legal expenses can easily be the priciest part of a vehicle collision or mishap. Be prepared to handle them with a comprehensive policy that extends to your fellow passengers.

Medical and Bodily Injury Coverage

If anyone gets hurt in an accident involving one of your vehicles, help paying hospital bills and injury settlements can mean a quick return to health and happiness (rather than years of financial hardship).

Property Damage and Post-Accident Cleanup

People aren’t the only ones at risk in a recreational vehicle accident. From lost or damaged personal property to fuel spills – even towing away wreckage – make sure that your insurance policy covers every part of making things right.

Coverage Customization and Added Chances to Save

Policies from Lindow providers are incredibly flexible and can be tailored to meet your specific needs (and belongings). Work with our partners to get exactly the kinds of protection you need, without paying for those you don't. Many plans even offer a discount if you complete specific safety courses, have a clean driving record, or bundle your insurance for multiple vehicles with one provider!

The Bottom Line: It Pays to Protect Your Luxury Gifts

Staying protected lets you get the most out of your outdoor toys – a statement that applies to both your bodily and financial well-being. Talk to our partners and start the new year off right by with a custom policy for your snowmobiles or a competitive boat insurance quote. When it comes to investing in your peace of mind, there’s no time like the present.

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