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Insurance for Your Road Toys

Category: Personal Insurance

As the popularity of motorcycles and RV ownership continues to rise, so too does the number of insurance claims filed on these recreational vehicles. As of the most recent report by the Department of Transportation, there were 8,410,255 motorcycles registered in the United States by February of 2014, and that number is projected to grow as more and more motorists choose to commute with bikes that have less demand on gasoline.

While RV owners don’t necessarily choose their recreational vehicle because of its gas mileage, they do opt for these traveling hotels for the long term savings on vacation expenses. U.S. ownership of RVs has reached record levels, according to a 2011 University of Michigan study commissioned by Recreation Vehicle Industry Association (RVIA). According to the study, approximately 8.9 million households own an RV.

Motorcycle and RV ownership is increasing at around the same pace and there are nearly as many motorcycle riders as there are RV owners. In fact, many households that own a motorhome or camper also have a motorcycle rider in the family. The vast majority of states require motorcycle riders to obtain some level of insurance and if your RV is driven rather than towed, you are most likely required to insure that as well.

You have worked hard to afford your road toys and the time you spend with them. Don’t let a single accident set your vacation plans back. Depending on your driving history, how many miles you clock while riding or driving your recreation vehicle, and where the road takes you, these types of insurance policies don’t have to dip into those vacation funds.

A great motorcycle or RV insurance policy should be able to protect you from paying for damages to your bike or RV, avoid having to pay to repair another person’s vehicle or medical treatment and even assist you when your ride breaks down.

Whether you need full coverage, liability only, seasonal or year-round coverage on your motorcycle, RV, or both, our agents can help. We can suggest coverage option best suited for you and your vehicle and assist you in finding a number of quotes from a variety of insurance providers. Contact us to assist you in finding the perfect insurance policy at the most affordable rates.

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