With the variety of recreational activities available for fun, exploration, and adventure, you might wonder, "Do I need insurance?" When you contact our team at Gateway Property & Casualty, we’ll provide the answers, make recommendations, and explain the benefits of recreational vehicle insurance.

Understanding New Hampshire and Recreational Insurance

While New Hampshire does not generally require recreational insurance, there is an exception for owners of motorized RVs. In this case, New Hampshire mandates that you have insurance, such as comprehensive and liability, similar to what you would have for a car or truck. If your motorized RV is financed, the lender will require the recreational vehicle to be insured.

Owners of all-terrain vehicles (ATVs) and dirt bikes are not required to have insurance.

Motorboats fall under the recreational vehicle category in New Hampshire and require registration, as do other boat types, such as sailboats, which are over 12 feet long. However, the state does not require boat insurance.

During the winter months, snowmobiles are a popular way to enjoy off-road adventures. The state requires you to have liability insurance if you plan to operate a snowmobile on property not owned by you.

Benefits of Recreational Insurance

Whenever you’re out and about in Dover, NH, enjoying the freedom of a recreational vehicle, on the road, trails, or water, accidents can happen. For this reason alone, having recreational insurance is beneficial. The policy covers two important areas, which include property and liability coverage.

Contact Gateway Property & Casualty

Our team at Gateway Property & Casualty can put your mind at ease when it comes to operating a recreational vehicle. Contact us about your vehicle so we can recommend coverage that provides peace of mind, whether you’re on the road traveling or off-road exploring.