Do you use your recreational equipment regularly during certain times of the year? A catastrophic event could unexpectedly damage your equipment. Review the scenarios below, and ensure you have adequate recreational insurance coverage to protect your investments.

Exposed Parking and Storage

If you store your recreational equipment in a parking lot or storage area exposed to the elements, it may sustain damage from high winds, rain, or other weather conditions. Recreational insurance can provide coverage for damage to your equipment, mechanical issues, and lost parts, ensuring your equipment is protected even in challenging conditions.

Accidents

Accidents can occur during catastrophic weather events. For example, if visibility is severely reduced while operating recreational equipment, such as an ATV, you could crash or damage your equipment. Collision coverage is designed to protect your equipment from body damage and mechanical failures while it is actively being used.

Unintentional Damage

Unintentional damage to another person’s vehicle or property can happen, especially during a catastrophic event when risks are elevated. If you are held liable for the damage, liability insurance can cover the costs associated with repairs or replacements resulting from the incident.

For Advice From an Insurance Agency in Detroit

It’s essential to secure sufficient recreational insurance coverage before using your equipment. Start by preparing a list of the recreational items you own, including their model numbers and descriptions. This will help ensure all your equipment is adequately insured.

Contact one of our Premier Insurance Agency representatives for personalized guidance. Our agents will assist you in preparing your new insurance documents during your consultation, so you can enjoy peace of mind while using your recreational equipment.