Although winter recreational vehicles and equipment such as snowmobiles help create memorable outdoor moments, they can be equally dangerous if not operated correctly and with caution. According to research from John Hopkins University, about 600,000 people in the U.S. sustain injuries from snowboarding and skiing every year, with novices being more vulnerable. Winter sports accidents can also lead to equipment damage. Therefore, as a winter sports enthusiast, you should carry the right insurance coverage. Here is a detailed guide to insuring recreational equipment and vehicles.

Importance of Winter Recreational Equipment Insurance

Whether you own recreational equipment for personal use or rent out the equipment, you need the right insurance coverage. Owning such equipment can expose you to liability risks. For example, if a third party is injured while using your recreational equipment, you can potentially be held personally liable for the injury. In such a situation, the right recreational equipment coverage can help pay for the resulting costs, including legal expenses, medical costs, and claims. Without it, you risk bearing the whole burden of paying for the damages out of pocket.

What Recreational Equipment Insurance Covers?

Similar to auto insurance, recreational vehicle insurance provides the following coverage options for ATVs, UTVs, and snowmobiles:

  • Collision coverage – This policy helps cover the resulting damage if your recreational vehicle collides with another vehicle or an obstacle.
  • Comprehensive coverage – In case of an accident other than a collision, comprehensive coverage may cover the resulting costs. For instance, if a tree falls on a parked UTV and damages the body, comprehensive coverage goes toward the cost of repair or replacement.
  • Property damage liability – This comes into play to potentially cover damage you cause to other people’s property during an accident involving your recreational vehicle.
  • Bodily injury liability – If you knock someone down with your UTV, ATV, or snowmobile, this portion may potentially address the victims’ medical expenses.

Who Needs Winter Recreational Insurance?

In general, recreational insurance is essential for anyone who owns recreational vehicles and equipment. Carrying recreational vehicle insurance in New York is a legal mandate for all RV owners. Additionally, New York State laws require every snowmobiler to carry at least $10,000 and $20,000 worth of coverage for bodily injury for snowmobile accidents involving one person and two or more people, respectively, Liability coverage should also include $5,000 for property damage. With both of these coverages we recommend much higher limits to protect you. Take note that these requirements typically apply if you use your sports equipment in public places. Therefore, review your state laws to determine the insurance requirements for recreational equipment.

If you’re looking for recreational vehicle insurance in Pennsylvania and New York, talk to our team at Tompkins Insurance Agencies today!