Recreational Insurance

Minnesota is full of destinations that are perfect for operating a recreational vehicle in the pursuit of leisure and fun. However, the state of Minnesota requires you to obtain recreational insurance, no matter if it’s an RV camper or a boat. We at Lake Central Insurance Brokers insurance agency in Brainerd, MN are here to help you get insurance coverage for your recreational vehicle. The following is a look at what’s involved in getting a recreational insurance policy.

Vehicles Defined as Recreational by the State of Minnesota

The state views recreational vehicles as motorized vehicles that can be used on or off the public roadway or waterways and has a primary purpose for recreational activities. Some of the vehicles defined as recreational include:

  • All-terrain vehicles (ATVs)
  • Off-highway motorcycles
  • Off-road vehicles
  • Boats
  • Snowmobiles
  • Golf carts
  • Motor homes
  • RVs

This is just a partial list of vehicles that the state defines as recreational. Give us a call at Lake Central Insurance Brokers to find out if your vehicle is considered recreational under state laws and what kind of insurance you need.

Recreational Insurance Protects Against Calamity

Recreational vehicles are vehicles for having fun but don’t always provide the same level of crash protection as an automobile or truck. In turn, the risk of injury is higher, even with safety gear, because there is less protection against the laws of physics in a crash. Having recreational insurance coverage protects you and those in and around the vehicle in case of an accident and allows you to operate your vehicle legally.

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