Tis the season for outdoor fun and motorized ‘toys’. Motorcycles, dirt bikes, ATVs, golf carts, boats, jet skis… just to name a few. Risk of injury or damage to your summer fun toys or another person’s property could put a halt to a good time fast. Do you have the proper insurance to cover liability and/or replacement?

What insurance do you need for your recreational ‘toys’?

Insurance for some of these vehicles are not required in all states. For example, boat insurance is not required in Washington. But it’s a good idea to have it! Some items do require insurance, like Motorcycles. So you need to make sure you know the local laws and requirements. Ask your insurance broker for specifics. We are happy to help (contact us here).

Let’s break it down for each of these items.

Insurance for Motorcyles

Washington state’s mandatory liability insurance law requires anyone who drives a motor vehicle, including a motorcyle, in our state, to have liability insurance. Your broker can help you decide which plan is right for you and make sure you meet the requirements of the state.

You must also show proof of motorcyle insurance if you’re stopped by a law enforcement officer. Your insurance company sends you a proof-of-insurance card when you start or renew your auto or motorcycle policy. The card shows that either you or your vehicle/motorcycle are covered by liability insurance. If you don’t have proof, you could get a ticket.

There are a few exceptions to this rule. For example, mopeds and motor scooters do not need to be insured, but it’s still a good idea to protect yourself! Find out more information on the Washington State Insurance Commissioner website or contact us.

Insurance for ATV’s and Dirt Bikes

Your standard auto or home owners insurance may not cover you when driving your ATV’s (All Terrain Vehicles), including dirt bikes. These vehicles are dangerous and are likely to cause injury or damage to property at some point so it’s important to make sure you’re covered! You may also be required to have basic ATV insurance to ride them in certain state parks, so double check.

Insurance for Golf Carts

Golf Carts may not be covered under your home or car insurance, but they could be covered under an umbrella policy. Golf Cart usage also has very specific laws that vary by state, county and city, and insurance coverage may be one of those requirements. Check your local laws to be sure. The good news is, coverage for these types of vehicles can be very affordable.

Insurance for Boats & Jet Skis

Boats are a big investment and a big part of life in the Spokane area, where we’re surrounded by lakes and rivers. You want to make sure your fun investment has coverage that’s designed with the boat lover in mind, not with some standard coverage or add-on to your Homeowners Insurance.

We specialize in boat insurance at North Town Insurance. There are just so many things that could go wrong when transporting, storing, driving and enjoying your boat. We help you navigate all the options and choose the right one. Read more about what coverage you need and how we can help on our boat insurance page.

Insurance for Recreational Vehicles (RVs)

RV Insurance can protect your camper, motor home, travel trailer or even your horse trailer. Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage requirements varies by state.

There are different types of coverage depending on how you are using the RV. For more information, check out our RV Insurance page or contact us to help you determine which coverage you need.

Make sure your summer fun isn’t ruined by an accident, damage to or loss of your recreational toys that you can’t financially recover from. We’ve got your back!

Give us a call today to help you find the best coverage!

(509) 483-3030

Check out this other article for more information about making sure your summer fun is insured…

Is Your Summer Fun Insured?