Recreational Insurance in South Carolina

There are a lot of farms in South Carolina. As you pass them, you'll sometimes see the owners racing for the back 40. They're on various vehicles other than tractors, such as ATVs or off-road vehicles.

Large properties in other states often use snowmobiles in winter to get to the problem areas. Recreational vehicles, as you can see, serve multiple purposes. What does recreational insurance have to do with it? B&A Insurance & Multiservices LLC in Summerville, SC explains.

What Are Recreational Vehicles?

When the subject comes up, many people picture huge motorhomes or travel trailers behind cars. While that's true, recreation encompasses much more than just motorhomes. For instance, you can get a lot of recreation from:

• Dune buggies
• Jet skis
• Watercraft
• Three-wheelers
• Trail bikes
• Golf carts
• Antique and classic cars

How Does Recreational Insurance Tie In?

Let's say you bought a dune buggy and an off-road vehicle for some fun times. The lender you pay monthly wants to know if his vehicles will be ready until you pay them off, so insurance is your next stop.

If you only use the vehicles on your property, you might get away with adding them to your homeowners' insurance. If you take them to one of the gorgeous South Carolina beaches, your auto insurance won't cover it. You need recreational insurance.

What Does It Do?

You could be on a mountainside when a landslide brings you down. You could be on the beach when the tide comes in, and you and your vehicle are cut off from the beach. You could hit someone.

It's the bodily injury you need help with. It's the damage done to whatever vehicles are involved. Add to these underinsured or uninsured persons and medical expenses, and you have what recreational insurance does.

Let B&A Insurance & Multiservices LLC of Summerville, SC know when you get those recreational vehicles. We'd be happy to help.