Classic Car / RV / ATV / Boat / Snowmobile Insurance

If your leisure activities involve a boat, recreational vehicle, ATV, snowmobile or classic car, you’ll want to make sure you have insurance coverage to protect your investment. Policies for these vehicles are different from standard auto and motorcycle policies, so you’ll want to work with an agency like Fox to help you select the best coverage for your needs.

Here’s a quick look at the different kinds of vehicles, along with considerations for insuring them:

Watercraft — Whether you own a paddle boat or a power boat, you’ll want a standard policy to cover physical damage to your watercraft resulting from a collision, fire, severe weather, theft or vandalism, as well as liability protection to cover damage you may cause to other boats or people. But you may also want to add coverage for your personal possessions and for boat-towing and assistance to cover some of the costs of a breakdown on the water.

Recreational Vehicles — If your recreational vehicle (RV) is motorized and designed to be driven independently of another vehicle, it must be insured according to the state’s minimum coverage requirements. If your RV does not have a motor and is designed to be towed by another vehicle, such as a pop-up camper or trailer, coverage is not required, and the RV may be covered by your auto policy. An RV policy is similar to an auto insurance policy and offers the same types of coverage. And, like an auto policy, an RV policy can offer a range of coverage limits, deductibles and optional add-ons.

ATVs and Snowmobiles – In Pennsylvania, all ATVs and snowmobiles — except those used solely for business or agricultural purposes — need to be registered and titled with the state’s Department of Natural Resources Snowmobile/ATV Section. In addition, if you plan to ride your ATV on property that is not owned or leased by you, you must carry liability insurance. Proof of that insurance must be carried with you when you ride. There are no minimum requirements or coverage standards, but if you obtained a loan to purchase the vehicle, the lienholder may have specific requirements. Additional coverage is worth considering to help pay for damage to your vehicle and medical bills resulting from an accident.

Antique and Classic Cars — Definitions of a classic car vary, but the Insurance Information Institute says a car is considered a classic when it’s at least 25 to 30 years old. In addition to protecting a classic car, a classic car policy also can help protect other high-value vehicles, such as muscle cars, hot rods, vintage military vehicles and exotic or luxury vehicles. Standard car insurance may provide some coverage for a classic car, but it may not cover the full value because of differences in how these types of policies determine the car’s value.

Do you need help finding coverage for your a boat, recreational vehicle, ATV, snowmobile or classic car?