How do you spend your downtime? Perhaps you enjoy hitting the trails on your 4-wheeler, or maybe you crank up the RV and take it on the road. Whatever your pastime, Stauffer-Klug insurance can help you find coverage to protect you and ‘toys’. After all, the road of life can be a bumpy one; insurance can help cushion the blows.
Off-road vehicles are more popular than ever. Some people use them to make work around the farm or ranch a little easier. Others take their ATVs on hunting excursions. Even so, many ride 4-wheelers solely for recreational purposes. Whatever your purpose for owning an all-terrain vehicle, it comes with a certain amount of risk. ATV insurance can help offset your risk exposure and protect you and your assets following an accident.
Consider the following scenarios:
A crop farmer purchases a $20,000 UTV to operate during the growing season. During the winter, the vehicle is put in a storage facility. Unfortunately, a thief breaks the storage lock and steals the UTV. The farmer’s ATV insurance includes comprehensive protection for theft and pays to replace the stolen UTV.
A college-age student uses his 4-wheeler to ride trails with friends on the weekends. One day, he accidentally collides with another 4-wheeler on the trail, damaging both ATVs involved in the collision and sending the other rider to the hospital. His ATV insurance includes liability and collision coverage, which help pay for the victim’s medical bills, as well as the cost to repair the damaged 4-wheelers.
ATV insurance typically includes four primary types of coverage: liability, collision, comprehensive, and underinsured motorist coverage. All are important for protecting you against expensive bills and lawsuits.
ATV Liability Insurance
Covers you when you are sued for medical bills, lost wages, or property damage related to accident you caused.
ATV Collision Insurance
Helps pay to repair or replace your own ATV after an accident.
ATV Comprehensive Insurance
Pays for covered damages to your ATV not caused by a collision. Examples include storm damage, fire damage, and vandalism.
ATV Underinsured Motorist Insurance
Protects you when you are injured or suffer property loss as a result of an uninsured or underinsured motorist.
RVs and Trailers
Life on the road is anything but ordinary. Whether you live out of your RV full time or like to take your camper out on the weekends, recreational vehicles allow you to bring your home with you wherever you go. This unique way of living requires equally unique insurance coverage. At Stauffer-Klug Insurance, we can help find high-quality RV coverage at a price you can afford. After all, who ever said living the high life has to cost a lot of money?
If you own an RV, you need insurance – plain and simple. Your coverage should provide you with liability protection whether you are on the road or at a campsite. It should also help cover the repair or replacement cost of your motor home and personal belongings if they are damaged in an accident or other covered event, such as a storm. Finally, your insurance should take care of you in emergencies, whether you need roadside assistance, a tow truck, or find yourself stranded and in need of a place to stay.
By shopping and comparing quotes from multiple providers, we can help you find the most competitive rates on top-notch RV insurance from reputable carriers. We do the shopping for you and go out of our way to find additional discounts that help you hold onto more of your hard-earned cash. If we can’t save you money on recreational vehicle insurance, we’ll tell you – no hassle, guaranteed.
For more information about ATV and RV insurance or to request your free quotes on coverage, contact our office today.