Recreational Insurance in Arkansas
Recreational insurance exists for those who want to get outdoors and enjoy what Arkansas has to offer. Whether you’re out on the water, or off-road on an ATV, you might need coverage. And, at Matthew Yancey Insurance & Real Estate, Inc., we have you covered.
Why You Need Recreational Insurance
Most outdoor activities in and around Van Buren, AR involve risk to yourself, others, and any vehicles you use in those activities. Recreational insurance exists to help mitigate those risks.
However, recreational insurance isn’t just one thing. You will need insurance specifically for the type of recreational vehicle you use. You will also have to fine-tune your insurance options based on your activities and how you go about them.
What Recreational Vehicles Require Insurance
Many people use non-traditional vehicles for their outdoor activities. Most recreational vehicles do require insurance before you can register or use them. Other vehicles may not require insurance by the state, but you may want to consider adding some coverage to protect yourself, your car, and others.
Recreational vehicles can include:
- Boats and watercraft
- ATVs or OHVs
- RVs, motorhomes, travel trailers, and campers
Even golf carts can count if you use the vehicle to get around a community, complex, or another site.
How Recreational Insurance Works
In all cases, recreational insurance for off-road and marine vehicles in Arkansas works much like auto insurance. Mainly, they will start with liability coverage. Liability will help injuries someone else suffers or property damage due to an accident during your recreational activity.
From there, you can add other forms of coverage depending on what you need. For example, you can add collision coverage so that you can have your recreational vehicle repaired or replaced if there’s an accident.
If you enjoy boating, fishing, going off-road, or doing anything outdoors in a non-traditional vehicle, you should consider recreational insurance. Van Buren, AR, and the surrounding areas have a lot for you to do. Make sure you do it the right way by first speaking with Matthew Yancey Insurance & Real Estate, Inc. about your insurance needs.