Recreational Insurance Components

Before you go off-roading with your recreational equipment in Altus, OK, review your recreational insurance policy with Dobbs & Braddock Inc. to ensure that insurance covers you fully.

Components of Recreational Insurance

Recreational insurance can include a range of components, including property damage liability, bodily injury liability, collision, comprehensive, and roadside assistance. What you choose to add to your policy depends on the type of equipment you own. For example, you can insure a boat or a jet ski on a recreational policy, and neither would need roadside assistance coverage. Recreational insurance can also cover an RV, fifth wheel, or popup trailer, on which you would probably want roadside insurance.

What Each Component Does

Recreational insurance covers many of the same things as policies covering cars, trucks, vans, and SUVs. Here’s what the most common components do:

  • Property damage liability – covers the damage to another person’s vehicle and belongings after an accident that you cause.
  • Bodily injury liability – covers the injuries or death of another person or persons in an accident that you cause.
  • Collision – covers the damage to your vehicle and belongings inside it no matter who caused an accident.
  • Comprehensive – covers the damage to your vehicle and belongings inside it from a peril named in the policy, such as fire, theft, or vandalism.
  • Roadside assistance – covers the need for help wherever your vehicle breaks down or you experience a lockout.

If you add equipment, such as a radar detector or custom lights to a vehicle, insure it by scheduling it in the policy.

Contact Us Today

Don’t ride your ATV, drive your RV, or boat on Oklahoma’s many lakes before ensuring that your recreational policy from Dobbs & Braddock Inc. fully covers your equipment. We proudly serve the Altus, OK area with the insurance its residents need to protect their financial assets. Contact us today for your recreational policy review.

Three priorities to focus on when you buy recreational insurance

Owners of recreational vehicles in Atlus, OK can purchase recreational insurance from us at Dobbs & Braddock Inc. When you choose your recreational insurance policy, it’s important that you put some time and effort into making the decision.

The following are three priorities to focus on when you buy recreational insurance:

Understanding what recreational insurance is

Recreational insurance is an insurance policy that covers a recreational vehicle. If you own an RV, you need to have insurance coverage to legally drive it on public roads. You also should have insurance to protect the value of your recreational vehicle with collision coverage. 

Although recreational insurance is similar to standard auto insurance, there are some differences to be aware of. For one thing, recreational insurance offers specialized coverage for customers who live in their recreational vehicle all or part of the year. 

Shopping around for the right policy

Before you buy recreational insurance, you need to get quotes from a few providers. Customers should evaluate quotes carefully to choose a recreational insurance policy offering value and quality. 

Reading the fine print of policies before choosing one

Customers need to know the details of the coverage they’re getting. Carefully reading over the fine print of your recreational insurance policy can save you from surprises or disappointments down the road when you file a claim. 

You need to be prepared for the possibility of having to file a claim eventually by fully understanding the details of your policy. 

Reach Out To Us

Let us answer your questions about recreational insurance in Atlus, OK. At Dobbs & Braddock Inc, we can offer you a quote on a policy. Get in touch with us today to learn more. 

How to Safely Transport an ATV

Dobbs & Braddock Inc. in Atlus, OK is here to offer you expert insurance advice on recreational insurance and other coverages. If you’re planning on taking your ATV out for a spin, you’ll need to know how to transport it safely. Whether you’re using a trailer or hauling it in the back of a truck, there are a few things you should keep in mind. 

Here are some tips for safely transporting your ATV:

Prepping your ATV for hauling

First, remove any loose items from the ATV that could fall off during transport, such as gear bags or hunting equipment. Next, secure the ATV to the trailer using straps or ratchet tie-downs. Be sure to distribute the weight evenly and secure the ATV to prevent it from shifting during transit. Finally, cover the ATV with a tarp or other protective material to keep it clean and dry during the journey.

Hauling on a pickup truck

An ATV can be driven up a ramp and onto the truck’s bed. Once the ATV is in the bed, it can be secured with straps or chains.

If you don’t have ramps, you can haul an ATV in the bed of a pickup truck by using a winch. First, secure the ATV to the winch using a strap or rope. Next, attach the winch to the front of the ATV and the bed of the pickup truck. Finally, use the winch to pull the ATV into the bed of the pickup truck.

Hauling using a trailer

The process of hauling an ATV using a trailer is relatively simple. First, you will need to attach the trailer to your vehicle. Next, you will need to load the ATV onto the trailer. Finally, you will need to secure the ATV to the trailer.

Dobbs & Braddock Inc in Atlus, OK offers a variety of insurance products for recreation enthusiasts. Call or stop by today to learn more!

Your Guide to Recreational Insurance

Recreational insurance is an essential option that Dobbs & Braddock Inc can provide for Atlus, OK residents. Our team can help you better understand this type of policy and the various coverage options that it might provide for you. Here’s your simple guide to this unique policy option.

Types of Covered Vehicles

Recreational insurance is designed to cover a variety of different vehicles. As long as they are used primarily for recreation, your policy should cover you. You may need a policy for these items:

  • Motor homes used primarily for camping
  • Campers used for regular camping expeditions
  • Trailers used to haul a variety of items
  • ATV models, including four-wheelers
  • Snowmobiles used during the winter
  • Golf carts used for recreational purposes
  • Dune buggies used for outdoor excitement
  • Scooters, mopeds, and other similar small bikes

Protection Options for Your Vehicles

Your recreational policies work similarly to car insurance and will provide liability protection, collision coverage, and more. However, some recreational vehicles may operate like temporary homes. As a result, your policy may also cover things like medical payments and more. This help is critical for protecting you while camping or living in one of these vehicles.

Furthermore, your policy may protect your trailers when transporting these items, safety apparel used while you ride, and other optional equipment. This higher level of security keeps your RVs strong and minimizes expensive replacement payments. Talk to your insurance provider to learn more about what kind of protection you can receive.

Don’t Ignore These Important Policies

If you own one or more recreational vehicles and need protection, call us at Dobbs & Braddock Inc to get help for your Atlus, OK insurance needs. We can create a bundle of protection options that will ensure that your vehicles remain strong and secure for many years to come.