Recreational Insurance in New York

We offer recreational service here at Toedt Insurance Agency LLC in Albany, NY. Recreational insurance includes motorcycle, boat, ATV, and RV insurance. Now you can have peace of mind while enjoying your investment. We also cover golf carts, jet skis, snowmobiles, and vans. While recreational vehicles provide a lot of excitement, you must ensure that you protect them since they come with some risks and exposures.

Recreational Insurance Requirements

If you own a motorcycle or RV in New York, you will be legally required to obtain insurance. However, boat and ATV insurance are not required lawfully but are still highly recommended. Additionally, you will need to ensure you meet the required minimum liability limits. If you finance or lease your ATV or boat, you will need to make sure that you obtain insurance if you finance or lease it through a lender.

Recreational Insurance Coverage

You can choose the following coverage options to protect your RV, ATV, motorcycle, or boat.

Comprehensive- If your recreational vehicle is damaged from weather, fire, theft, or vandalism, this will help cover the cost of repairs.
Collision- If you are involved in an accident with another motorist, and your recreational vehicle sustains damage, this will cover the costs of repairs.
Uninsured/underinsured- If you are in an accident with a driver who does not have insurance or very little insurance, this will cover you if the other driver is liable for the accident.
Roadside assistance- This will cover you if your recreational vehicle experiences a mechanical breakdown.
Liability- This will help cover injuries or property damage expenses if you are responsible for an accident.