Category: Recreational Insurance

If you’re considering purchasing a new recreational vehicle for your family, you’re likely weighing the options between an ATV and a UTV. Both are excellent choices for off-road activities, boasting similar power and speed. Here are the key differences to help you decide the best fit for you.

Passenger Space

A significant difference between the two is the passenger capacity. ATVs typically accommodate up to two people, which might be just what you need. However, if you’re looking for a more family-friendly option, some UTVs can carry up to four passengers, allowing everyone to join the fun.

Comfort

When it comes to comfort, UTVs take the lead. They offer ample legroom, comfortable seating, and even cabs. In contrast, ATVs feature slender, motorcycle-style seating and lack cabs for comfort or safety protection.

Off-Road Experience

While both vehicles are designed for off-road travel, ATVs typically handle more challenging terrain better due to their smaller size and ability to squeeze through tighter gaps. UTVs, being larger, may struggle with narrow trails and don’t maneuver quite as well as ATVs.

Transport

Are you planning to transport your new ATV or UTV? Both will require a trailer. However, if you have a pickup truck, most ATVs can fit in the bed, eliminating the need for a trailer.

Cost

Another major difference between the two is the cost. ATVs are generally cheaper than UTVs due to their smaller size and simplicity. UTVs, which can be customized and function like small vehicles, can cost as much as a car.

If you’re in the recreational insurance market, contact our Smoller Insurance Agency team today. We serve customers living in or around Boston, MA.

Navigating the waters of Boston Harbor can be a thrilling experience, whether you’re a seasoned sailor or a weekend boater. However, as the saying goes, smooth seas do not make skillful sailors. That’s where our guidance at Smoller Insurance Agency comes into play for residents of Boston, MA and surrounding areas. 

Understanding Recreational Insurance

Boat ownership comes with a unique set of responsibilities, and we recommend safeguarding your investment to the best of your ability. Recreational insurance is a wise choice for anyone who wants to enjoy their time on the water without worrying about potential property damage expenses. The right recreational insurance can protect you, your loved ones, and other boat owners from the financial consequences of unintentional mistakes or unpredictable circumstances. 

The type of policy you choose may depend on the type of boat you have, where you plan to use it, and existing policies you may have for your home, car, or other recreational vehicles. 

Navigating the Waters of Uncertainty

Accidents happen, and being prepared is the key to overcoming unforeseen challenges. Whether you are an experienced boater or a novice on the water, inclement weather, irresponsible boaters, unexpected obstacles, or mechanical failure are all things outside your control that can damage your boat and sink your plans. 

We at Smoller Insurance Agency can guide you through the intricacies of recreational insurance and have a deep understanding of the unique challenges faced by boat owners in Boston, MA. We take pride in our commitment to providing comprehensive coverage tailored to your unique needs. Contact us today to explore your options and discover how our expertise can keep you afloat in the unpredictable seas of life.

Are you looking for an insurance policy to protect your recreational vehicle in Boston, MA?  With recreational insurance, you’ll get liability and physical damage coverage, plus specialized coverage for toys and vehicles not usually provided by a standard home or auto policy. 

What is Covered Under Recreational Insurance? 

Recreational insurance provides special coverage for vehicles like boats, yachts, jet skis, motorcycles, ATVs, snowmobiles, motorhomes, and travel trailers. This type of policy covers physical damage (like accidents and theft), liability (if someone gets injured in your vehicle), and medical payments if there are any injuries. It also covers any custom features you may have added to your vehicle, like stereos or satellite dishes. 

Why Do You Need Recreational Insurance? 

The most important reason why you need recreational insurance is so that you can protect your investment in the event of an accident or theft. Without it, you could face costly out-of-pocket expenses that could be avoided with the right coverage. Also, if someone gets injured while in your vehicle (or because of it), they may be able to sue you if they don’t have the right insurance coverage. That’s why it’s important to ensure that you have the right kind of protection in place. 

Contact Smoller Insurance Agency for Your Recreational Insurance Needs! 

At Smoller Insurance Agency in Boston, MA, we understand the importance of having the right recreational insurance coverage for your needs. One of our knowledgeable agents will work with you to find the best possible solution for your unique situation. Contact us today to learn more about our recreational policies and get started on protecting your investment today! 

Smoller Insurance Agency has a tradition of excellence. We proudly serve the Boston, MA community. We recognize the difficulty in searching for reliable insurance coverage. We strive to simplify the process for our clients so that they can live comfortable lives. We are committed to helping you find the necessary coverage to protect your assets.

Recreational Insurance Facts

Boston, MA provides year-round opportunities for residents to use their recreational vehicles. You can go boating during warm summers. Fall and Spring are popular seasons for many residents to go exploring in their RVs. The harsh winter conditions also provide the opportunity for you to pull out your snowmobile and enjoy some fun. Regardless of the type of recreational vehicle you have, there are still risks involved with operating these assets. If you lose control of your RV or snowmobile, you can cause substantial damage, injuring yourself and others. Recreational insurance provides protection while you’re using these assets. Collision coverage protects you if your recreational asset suffers damage in a collision. Maybe your RV collides with another driver, or you run into a pole while riding your snowmobile. Recreational insurance covers those potential repairs. Comprehensive coverage steps in if your asset is stolen or vandalized. You are also covered if your asset is damaged due to a natural disaster. Maybe you’re camping, and multiple dents impact your RV due to flying debris from a storm.

Liability coverage protects you if you cause property damage or injure someone with your recreational asset. You can also amend your policy to include emergency assistance. You’ll be protected if your recreational asset breaks down and you need urgent service.

Smoller Insurance Agency Will Help You Cover Your Asset

Contact us today to learn more information about recreational insurance.