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Central Lakes Insurance Brokers

4820 W 77th St #125
Edina, MN 55435

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Recreational Insurance in Minnesota

In the state of Minnesota, you are required to obtain recreational insurance on your recreational vehicles. If you have just purchased a recreational vehicle, Central Lakes Insurance Brokers in Edina, MN can help you to insure it. Here is some more information you should know about recreational insurance.

What is Recreational Insurance?

Recreational insurance is composed of many different types of insurance. If the vehicle you have purchased is used for pleasure and fun, it is considered a recreational vehicle and is insured as one. Some of the types of vehicles that are insured under recreational insurance policies include:

  • ATVs
  • Boats
  • Motorcycles
  • Motor Homes and RVs
  • Snowmobiles

If you have a motorized vehicle that is used for pleasure and fun and is used on local roadways, dirt trails, or waterways, you likely need to protect it with a recreational insurance policy.

Why Do You Need Recreational Insurance?

Just like with a car, you need recreational insurance for a variety of reasons. Collision coverage helps to cover damage to your vehicle should you accidentally collide with another vehicle while using your recreational vehicle. Comprehensive coverage helps to protect your recreational vehicle against collisions with non-vehicles, vandalism, and theft.

Are You Required to Carry Recreational Insurance Year Round?

Some types of recreational vehicles are only used seasonally. As such, you may wonder if you need to carry this insurance year round. In the state of Minnesota, you are required to obtain recreational vehicle insurance to register your recreational vehicle. As such, you do need to carry the insurance year round. If you fail to do so, your registration can be suspended.

Are you looking to purchase recreational insurance in the greater Edina, MN area? Then turn to Central Lakes Insurance Brokers. We can help you determine what types of recreational insurance you need and what policy limits work best for you. Call us today to get started.