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.