Do You Have the Recreational Insurance You Need for this Summer Vacation Season?

Posted on March 28, 2025October 17, 2025 by admin

Have you recently purchased a new RV or travel trailer? Are you excited about hitting the road and enjoying nature away from the stresses of home and work? There are numerous fun places you can travel to without having to spend a lot of time on the road. Perhaps you already own an RV, but haven’t reviewed your insurance policy for several years. Now is the time to ensure that you have the recreational insurance you need to keep your stress-free summer vacation that way.

Understanding Recreational Insurance

Recreational insurance is a broad term that covers insurance for your temporary home away from home, such as an RV, a “fifth wheel” camper, or a travel trailer. This type of coverage is distinct from insurance you need if you live in your camper year-round. At Kingston Insurance Agency LLC, we can help you with that type of insurance, too, but that’s a topic for another day. Recreational insurance also applies to seasonal vehicles not covered under your homeowners or automobile policies. This might include a snowmobile, a jet ski, or a boat.

Like most US states, requires you to carry liability insurance if you have an RV that you drive. This is the only type of insurance that you are legally bound to carry. If you’ve financed your RV, camper, trailer, or boat, your lender will virtually always require you to carry insurance to cover the cost of replacing the item should it be damaged by things like weather, a road accident, or other covered reasons. Even if you paid cash for your recreational vehicle or “toy,” you’ll likely want insurance to cover it for these events. The average cost of a new RV in the US ranges between $30,000 and $300,000. That’s a lot of money to leave unprotected.

To learn more about recreational insurance and to ensure that you have the coverage you need for your summer travels, contact Kingston Insurance Agency LLC. Our management team has a combined 100 years of experience in helping residents with their insurance needs.

Don’t Forget to Insure Your Recreational Equipment

Posted on September 22, 2023October 17, 2025 by admin

If you use the equipment for the leisure activities you enjoy, do you have the insurance to replace them if they are ever lost, stolen, or damaged? To answer that question, examine your homeowner’s, renter’s, or recreational vehicle policy. At Kingston Insurance Agency LLC our agents serve and surrounding communities. And we suggest that you find out what gear or equipment is covered and what your deductible is.

Examples of Equipment You May Want to Insure

The number of items you use in pursuing sports and recreational activities can be numerous. Just think of the number of personal items you carry or use when you go fishing, golfing, canoeing, paddleboarding, or kayaking.

Likewise, when driving your RV on a road trip, you have not only the above items but also the ancillary ones needed to power your recreational vehicle. Even if you travel light while biking the William C. O’Neill Bike Path, you wouldn’t want anything that happens to your bike to be a total loss.

Consider This When Purchasing Insurance for Recreational Gear

And some of the items so essential to your happiness while at leisure are expensive. Even if they are named in an existing insurance policy, there may be a limit to the amount an insurer will pay to repair or replace them. You don’t want to be without insurance for pricey sports and recreational equipment.

If you need coverage for those items, sometimes an endorsement for additional coverage can be put on your existing policy. At other times, our insurance agents will write a new policy. With their knowledge and experience, our experts can get you insurance for gear and equipment. Contact us today at the Kingston Insurance Agency LLC serving the metroplex for all your insurance needs.

What’s included in my recreational insurance policy?

Posted on December 22, 2022October 17, 2025 by admin

Every RV is more than a vehicle. As you travel, it’s also a home that comes in multiple sizes with various furnishings and amenities. Our team of insurance experts at Kingston Insurance Agency LLC believes your recreational insurance should be just as unique. Serving the greater community, we can find a personalized policy that’s right for you.

Here are six coverage types to consider when purchasing recreational insurance:

Collision coverage

Just like an auto policy, collision coverage is a must. This protects against any damage resulting from a collision, no matter who is at fault.

Comprehensive coverage

All other damage would fall under this category. Comprehensive coverage could include natural disasters or even theft. These will be listed as covered events in your policy.

Liability

Liability is another core component of almost any insurance policy. But unlike the previous items, this doesn’t cover the vehicle. Liability protects you from potential lawsuits or expenses related to bodily injury.

Uninsured or underinsured motorist protection

You have to worry about other motorists on the roadways too. If an incident occurs with another driver who has inadequate or deficient coverage, this protection has your back.

Personal Property

Most recreational insurance policies are similar to auto insurance. However, personal property protection is different. Like homeowners’ or renters’ plans, this focuses on your belongings. If something on the inside is destroyed or stolen, this kicks in to cover those costs.

Optional add-ons

No two policies are identical. Up your protection by adding countless available options, like roadside assistance. Your Kingston Insurance Agency LLC agent can make recommendations based on your usage.

Contact Us Today

Your recreational insurance should be just as special as your RV itself. Kingston Insurance Agency LLC, serving the greater community, can craft you a personalized policy. Schedule an appointment today.