If you own recreational vehicles, such as snowmobiles, ATVs, or an RV, it’s crucial to ensure your investment properly to avoid potential losses or unexpected expenses. If you’re located in Clarkston, MI, determining if umbrella insurance will protect your recreational vehicles can help you find a policy tailored to your specific coverage needs. At The Ryan Insurance Agency, we’ll collaborate with you to review your recreational vehicle needs, seasonal usage, and existing policy limitations to find an appropriate solution that’s just right for you.

What Does Umbrella Insurance Cover?

When you own recreational vehicles, here’s what umbrella insurance can cover:

• Property damage: Any property damage caused by your watercraft, ATV, or RV will be covered.
• Injury: If your recreational vehicle causes injury to you or others while in operation, your umbrella policy will help cover potential medical and/or legal costs.
• Lawsuits: If you face a lawsuit resulting from your recreational vehicle, ensuring you have an adequate and sufficient umbrella policy in place is crucial.
• Court judgments and legal fees: In some cases, umbrella insurance can also help cover the cost of legal fees and court judgments, especially if the costs have exceeded the policy limits of the existing policies you already have (such as traditional auto or property insurance).

Understanding how umbrella insurance can provide additional protection to your recreational vehicles is essential anytime you’re considering investing in an RV, ATV, or if you already own a recreational vehicle, such as a snowmobile. If you’re located in Clarkston, MI, and you want to reassess your existing coverage and protection, we’re here to help. For more information about umbrella insurance and how it can contribute to your financial security for your collection of recreational vehicles, contact The Ryan Insurance Agency today.