Summer fun and vacations are the same everywhere with one exception. When families take their recreational craft or vehicles with them, they need Northwestern Insurance Group LLC in Portland, OR coverage in case Acts of God happen, or human error occurs. Washington, Oregon, Arizona, Nevada, and California have different requirements, so you’ll need to know what’s what.
When you’re enjoying the peace of the mountains, but a landslide happens, you need recreational insurance. When you’re snowmobiling, and the snow tumbles down the mountain, recreational insurance would be a good idea. If your boat runs out of gas while fishing in Lake Tahoe, recreational insurance gets you gas and a tow.
No. Some recreational vehicles are covered under auto insurance policies. Recreational insurance is more for the circumstances that cause bodily injury and the liability therein. It’s about uninsured or underinsured persons, replacing recreational vehicle, as well as theft, fire, vandalism, and Acts of God.
While a boat doesn’t require insurance in Nevada, Arizona, California, Oregon, or Washington, it’s a good idea to have it in case of an accident. A golf cart is not deemed a motor vehicle in these states. It doesn’t drive over 15 mph. If you take it on the road, then you’ll need Northwestern Insurance Group LLC recreational insurance.
Personal watercraft is another story. While the states listed above might not require boat insurance, personal watercraft does. Jet skis and other personal watercraft don’t fall under boat insurance but must have their own coverage. It covers damage, bodily injury, as well as medical bills, and sometimes the trailer upon which the craft is carried.
Acts of God and human error happen anywhere at any time. Protect yourself, your family, and pet(s) with recreational insurance from Northwestern Insurance Group LLC. Feel free to call or stop in today to get a free quote. Our offices are located in Portland, OR and Bend, OR.