Don’t Forget to Insure Your Recreational Equipment

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 South Kingstown, RI 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 South Kingstown, RI metroplex for all your insurance needs. 

What’s included in my recreational insurance policy?

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 South Kingstown, RI 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 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 South Kingstown, RI community, can craft you a personalized policy. Schedule an appointment today.

Recreation Insurance Defined

Recreation Insurance Defined

When you visit Kingston Insurance Agency LLC serving South Kingstown, RI, for commercial insurance, you might not already know about one of your options – recreation insurance. If you run a business that involves sports, outdoor activities, or any athletic pursuits, you need this vital insurance policy.

Recreation insurance provides liability coverage for these high-risk activity-oriented businesses. A business such as a bungee jumping company would not normally qualify for commercial liability or the business’s high risk would make premiums exorbitant.

For businesses like these, which run the gamut from canoe rental to indoor rock climbing, recreation insurance provides the coverage needed. As our society has turned toward experience-oriented pursuits, other types of businesses have also qualified for this insurance policy. Those include:

  • amusement parks and arcades,
  • performing arts company,
  • spectator sports,
  • agents and managers for artists, athletes, entertainers, and other public figures,
  • promoters of performing arts, sports, and similar events,
  • independent artists, writers, and performers,
  • museum, historic site, or similar institution,
  • gambling industries,
  • other amusement and recreation industries.

For example, a winery might hold a painting and tasting evening where a local artist teaches attendees how to paint a wine bottle and glass picture. In the process, they also taste wines. This requires enhanced liability insurance since it doesn’t meet the business’s typical operations. The recreation policy covers the special event and those in attendance.

In addition to the liability coverage that lets you enjoy the peace of mind that if someone gets injured, the insurance covers their medical costs, your recreation policy also provides property damage, loss of property, and theft insurance. That means if someone damages your business property or damage occurs to their personal property, the recreation insurance covers the loss.

The same coverage applies if a guest has something stolen while attending or steals something from you. Perhaps something incurs damage beyond what can be repaired. Whether it belongs to the business or to an attendee, the recreation insurance covers it.

Contact Kingston Insurance Agency LLC serving South Kingstown, RI for more information on recreation insurance. Let us help you obtain this important policy for your business.