RV Insurance

A recreational vehicle (RV) can provide days, weeks, months, even years of enjoyment for you and your family. If you think that your RV doesn’t require insurance, you may want to think again. The term RV covers a wide range of vehicles from campers and motor homes to quads and even snowmobiles for the winter.

Any vehicle that requires a license plate and will travel on public roads is required by law to have insurance. There are a variety of levels that you can choose to cover your RV. While you may believe that snowmobiles and quads do not require insurance (if unplated), it’s still a responsible act to carry coverage and is also important to carry more insurance than the minimum required by law. In Ontario, all plated vehicles must carry insurance.

Why Purchase RV Insurance?

It provides valuable protection to you and your family when you own and operate recreational vehicles. Having basic liability coverage with your will often protect you in the event of damage caused by you to property belonging to other individuals as well as any potential personal injury you cause in the event of operating your recreational vehicle.

Owners of large motor homes understand that the sheer size puts other property, such as mailboxes or fences, at risk. Going beyond personal liability, any damage that is caused to the RV whether by you operating it, weather events, or other people causing damage to it, can be quite costly to repair. Having the right level of insurance will ensure that your investment in the recreational vehicle will be protected at all times.

For RVs that are considered off-road, it is actually quite essential to carry the right RV insurance. Even if you, as the owner, are the only individual to operate the RV, there is the risk of injury that could require hospitalization and medical expenses that aren’t covered by basic care. If any other individual will operate the RV, you put yourself at risk of liability should an accident occur while they are operating it.

Find the Right RV Insurance for Your Needs

Finding and choosing the right RV insurance for your specific needs doesn’t have to be complicated process. It also does not need to cost you a great deal of money. Protecting you and your family as well as your personal assets requires making investments when you own and operate recreational vehicles.

If you own a recreational vehicle, but you are not sure whether you have enough RV insurance coverage, or don’t have any at all, contact James~Campbell Insurance Brokers today and find out how we can help protect you against damage and liability so that all of your recreational activities can be enjoyed without worry.

Boat Insurance

Owning a boat is a great feeling. You’ve worked hard to enjoy life and can cruise out onto the open water or down river and bask in the warmth of the summer sun. Just like a car, though, your boat is an asset and as with any asset, it deserves some level of protection.

The Value of Your Boat

Even if you purchased a used boat and don’t consider it a significant purchase, it’s important that you provide the right level of boat insurance to protect against damage, theft, and even accidents.
When you drive your car, you’re not alone on the roads. The same holds true with your boat, but with boats, there are a number of other risks than simply other boats and boat operators on the water with you.

  • Weather related damage
  • Accidents while the boat is in transit
  • Theft
  • Sinking
  • Running aground
  • Punctures

Modern Boats

Today’s boats come complete with advanced technology, including stereos, powerful engines, and an array of amenities. Each of these items and parts of the boat can cost a significant amount of money to repair if stolen or damaged.

Choosing the most basic level of boat insurance may be ideal for you, but if your boat has significant value, you want to make sure that you have the right level of coverage.

Insuring Against the Unforeseen

When we drive on the streets, our minds can wander. We can lose focus, become distracted, and that can lead to accidents. When you’re out on the water, even the most experienced captains and pilots run into problems that can be crippling and even life threatening.

While not every region requires boat insurance, you want to protect yourself, your asset, and those who travel with you on your boat from the unthinkable.

That’s why having the right level of boat insurance is essential. Call James Campbell Insurance Brokers today to find out what level of insurance your boat should have and know that the next time you’re out enjoying a warm spring or summer afternoon, you’ll have nothing to worry about.