Category: Recreational Insurance

New Orleans, LA, residents know first-hand the many types of damage a hurricane can cause. Does your recreational insurance protect your boat from wind damage? Does it protect your ATV from flood damage? In this Multisurance blog, we’ll consider the perils covered by recreational insurance and how you can add optional coverage for improved protection.

Protecting Your Financial Investment in Your Recreational Toys

The state-mandated liability insurance on your RV covers other drivers on the road. Only by adding comprehensive and collision coverage to the recreational policy do you receive coverage for damages to it. Collision and comprehensive recreational coverage protect your financial investment in your boat, RV, ATV, Seedoo, etc.

Comprehensive Coverage

Comprehensive coverage pays for damage to your recreational toy when specific perils damage it. Typically, it covers your loss from theft, fire, vandalism, falling objects, glass breakage, and weather-related damage, such as wind, tornado, lightning, etc. You choose your deductible when you set up your policy. Once you pay the deductible to the repair shop to fix the damage, the insurance company pays the rest.

Collision Coverage

Collision coverage protects your RV, boat, and other land or watercraft in any collision. If you cause an accident, it pays for the repairs to your recreational toy. If someone uninsured damages your toy in an accident, it covers the repairs. Collision also covers damage caused by a single-vehicle accident and an animal, such as a deer running out in front of your ATV.

Other Optional Insurance Coverage

Recreational insurance also offers many other ways to protect your toys. Consider the following optional coverage types:

• Replacement cost personal effects
• Total loss replacement
• Recreational vehicle medical payment coverage
• Special windshield deductible
• Vacation liability
• Emergency expenses
• Medical payments
• Cost replacement for fishing equipment
• Wreckage removal
• Fuel spill liability
• Cost replacement for personal effects
• Roadside/Boatside Assistance.

Recreational insurance offers many options, so you can build a policy that perfectly protects your liability and physical property and pays your medical bills if you’re injured in an accident.

Contact Multisurance Today

Don’t wait! Contact Multisurance today for a recreational insurance review. Let us help you fully insure your recreational toys in New Orleans, LA.

Located strategically alongside Lake Pontchartrain, Lake Borgne, and other noteworthy sailing spots, New Orleans, LA, is indeed a paradise for water lovers. However, before setting out for adventures under the sun, it is key to ensure you have adequate recreational insurance for your water vehicle.

Understanding Recreational Insurance: What’s Covered and What’s Not

Recreational insurance protects your water sports activities, offering coverage for various water vehicles and related equipment, including jet skis and water skis. This kind of insurance covers property damage if your water fun-related activities accidentally harm someone else’s possession. It also includes bodily injury coverage if someone gets hurt due to your water vehicle.

However, recreational insurance does not cover damage dealt to your water vehicle or any water game toys you own. Additionally, this insurance type does not provide comprehensive coverage—your watercraft isn’t protected against potential hazards like theft, vandalism, or severe weather damage. Consequently, while a recreational insurance policy is a boon for regular boaters and water sports enthusiasts, it does not cover all the bases.

Important Factors to Consider When Choosing Recreational Insurance for a Water Vehicle

• The size and market value of your boat and equipment
• How frequently do you engage your boat and equipment
• The size of the policy’s deductible

Trusting MultiSurance for Your Recreational Insurance Needs

With years of positive experience under our belt, MultiSurance has assisted countless New Orleans, LA residents in uncovering and securing the most suitable recreational insurance and other watercraft-related insurance policies. We believe in guiding you through the insurance selection process, helping you pinpoint the finest plans for your equipment, and providing comprehensive policy quotes. You can choose a policy that perfectly aligns with your needs and budget. Begin your insurance journey today with MultiSurance—your valuable assets are worth it.

New Orleans drivers know that the city is a playground for adventure enthusiasts, and nothing is more exciting than hitting the road with your family and friends in your new recreational vehicle! Insurance can help protect your recreational vehicle, whether you’re taking a scenic bike ride through Audubon Park or trying your hand at watersports on Lake Pontchartrain. 

Get recreational insurance from MultiSurance in New Orleans, LA to combine fun with safety. 

What Does Recreational Insurance Typically Cover?

RVs – Get recreational insurance to protect RVs like motor homes, towables, and popups. Insurance can repair or replace your RV or pull-behind camper when unexpected mishaps occur at campgrounds or camping on public lands. 

Boats and Watercraft: Louisiana boat and watercraft owners have more peace of mind when they know their most prized floating investments are protected by insurance. Most recreational insurance policies will help cover damage to your vessel and offer liability protection for boating accidents. 

ATV and Off-Road Vehicles: Expensive off-road vehicles like CanAm ATVs, dirtbikes, and snowmobiles can get insurance protections for both the vehicle and the rider under a Louisiana recreational insurance policy. 

Which Recreational Insurance is Right for You?

It is crucial for recreational vehicle owners to know that insurance coverages can vary, and the best way to learn about optional coverages is by talking to the experts. Talk to trusted insurance partners at MultiSurance in New Orleans, LA to learn about your options for coverage. 

A licensed and knowledgeable insurance agent can explain how recreational insurance can protect you and your vehicles and help you start a policy the same day. Please don’t wait until it’s too late to get coverage. 

Contact us and get a free recreational insurance quote from trusted insurance partners today!