The Total Coverage Blog
Renting recreational vehicles like boats, ATVs, and jet skis can provide thrilling and memorable experiences, whether you’re going on a three-hour tour of the open water, exploring rugged trails, or cruising across a serene lake. However, these activities come with inherent risks and many renters mistakenly assume their auto insurance policy will extend to these rentals. This is rarely the case. Understanding the importance of recreational vehicle rental insurance can save you from significant financial losses and legal troubles.
First and foremost, it’s important to clarify that standard auto insurance policies generally do not cover recreational vehicle rentals. Auto insurance is specifically designed to cover vehicles intended for road use. While an auto policy may offer liability protection related to a rental car (and in some cases, comprehensive and collision), it does not extend this coverage to boats, ATVs, or jet skis.
Recreational vehicles come with their own set of risks that are distinct from those associated with regular automobiles. For instance:
Given these risks, having specialized insurance coverage is essential to protect yourself financially and legally.
When renting a boat, ATV, or jet ski, there are several types of insurance coverage to consider:
There are several ways to secure the necessary insurance for your recreational vehicle rentals:
Investing in the appropriate insurance coverage for your boat, ATV, or jet ski rental is not just a financial safeguard but also a way to ensure peace of mind. Accidents happen, and when they do, being properly insured can make all the difference in avoiding significant out-of-pocket expenses and legal complications.
Before embarking on your next adventure, take the time to understand your insurance options and secure the necessary coverage. We suggest starting with coverage from the rental company. This proactive step will allow you to fully enjoy your recreational activities, knowing you are protected against the unexpected.
In conclusion, while the thrill of riding a jet ski or exploring trails on an ATV is unmatched, so too is the importance of having the right insurance. Remember, your auto policy won’t cover these rentals, so make sure you’re properly insured and ready for anything that comes your way. Our recommendation is to take the insurance offered by the rental company. Just be sure you know the coverage you are getting in return. Safe travels and happy adventuring!