Life-event checklist
Insurance checklist for a new boat, camper, or ATV
Your auto and homeowners policies often give little or no coverage to boats, campers, ATVs, and motorcycles. Set up coverage before you drive it home.
Your checklist
Insure it before you take it home
Ask your agent for coverage effective on the purchase date, and have the VIN or hull number ready.
Do not forget the trailer
Trailers may need to be listed on the auto or recreational policy.
Choose agreed value or actual cash value
Agreed value sets the payout in advance; actual cash value subtracts depreciation.
Check your umbrella
Umbrella policies often require recreational vehicles to be listed with minimum liability limits.
Questions to ask your agent
Bring these to your review
- Does my current auto or home policy give any coverage for this?
- Is agreed value available?
- Does my umbrella need to be updated?
Questions
Talk it through with a licensed agent.
Bring this checklist to a free, no-obligation review, or upload your current policies first so the agent can see what you have.