Get DirectionsFinding the right insurance as a resident of Avon Lake, OH, is essential, especially if you’re the owner of a boat, watercraft, motorcycle, snowmobile, camper, or if you have a vacation home. Understanding the types of insurance is essential when it comes to recreational insurance. At Meiners Insurance, we assist clients with the process of choosing a policy that works for them.
Recreational Insurance
Recreational insurance typically protections both vehicles and equipment that may be used for leisure. Protected equipment and/or vehicles may include the following:
- Boats/watercraft
- Golf carts
- Motorcycles
- ATVs
- Snowmobiles
- Recreational trailers
Seasonal Insurance
Seasonal insurance is ideal for items and property that are only used during certain times of the year, such as camping or hunting season. Examples may include seasonal cottages, vacation homes, lake houses, campers, and other seasonal/recreational equipment.
Differences
When it comes to recreational insurance, it primarily focuses on the type of equipment or vehicle that is involved. Seasonal insurance, however, focuses on when and how often a property or belonging is occupied and/or used.
When you’re living in Avon Lake, you may have different types of exposure, depending on your lifestyle. Those who own a lakefront home may require coverage for a seasonal property while also insuring an ATV or boat with recreational insurance. It’s also important to note that homeowners insurance may provide limited coverage for certain recreational equipment without covering towing, liability, collisions, theft, or equipment breakdown. Seasonal properties also require additional consideration when choosing policies.
Knowing the difference between seasonal and recreational insurance is crucial anytime you’re in the market for a new policy or an update to an existing one in Avon Lake, OH. At Meiners Insurance, we specialize in providing our clients with the best service possible when seeking recreational insurance. To learn more, contact us today.
