Do I Need Recreational Insurance if I Own Recreational Vehicles?

Posted on May 30, 2025May 28, 2025 by admin

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.

Different Types of Vehicles That May Be Covered By a Recreational Insurance Policy

Posted on July 30, 2024July 30, 2024 by admin

At Gateway Property & Casualty in Dover, NH, we understand the importance of proper insurance to protect your adventures. Here’s a look at the different types of vehicles that can be covered under a recreational insurance policy.

RVs and Motorhomes

RVs and motorhomes are perfect for road trips and camping, offering both transportation and a home away from home. Recreational insurance for RVs covers damages, theft, and even personal belongings inside the vehicle, ensuring you can relax and enjoy your travels.

Boats and Personal Watercraft

For water enthusiasts, boats and personal watercraft like jet skis are popular choices. Recreational insurance covers damages from accidents and weather-related incidents and liability for injuries or damage caused to others.

ATVs and Off-Road Vehicles

All-terrain vehicles (ATVs) and off-road vehicles designed for rugged adventures can be more prone to accidents due to the challenging terrains they navigate. Recreational insurance can cover repair costs, medical expenses, and liability, offering peace of mind for your off-road experiences.

Travel Trailers

Travel trailers provide a flexible way to explore the outdoors while offering the comforts of home. Insurance for these trailers covers various risks, including damage during travel or while parked at a campsite, ensuring your investment is protected wherever your journey takes you.

Understanding the range of vehicles a recreational insurance policy can cover is the first step in protecting your adventures. For more information or a quote, contact us today at Gateway Property & Casualty in Dover, NH. Our goal is to help safeguard your recreational vehicles so you can focus on creating memories.

How to Choose Recreational Insurance Policies

Posted on September 22, 2023October 3, 2023 by admin

Insurance is an essential tool to help protect your recreational vehicle investments. If you have any qualifying recreational vehicle, you want the assistance of insurance professionals to help you choose the right policy for your specific needs. You can trust the professionals at Gateway Property & Casualty to provide the residents of Dover, NH, with quality insurance products.

Recreational Insurance Protection

Knowing which type of policy to purchase is integral if you own a recreational vehicle. That’s why you should work with our knowledgeable insurance agents. We can provide insight into the policy options available and match you with coverage that protects against risk and loss. First, we take the time to understand your situation and determine which type of vehicle you want to protect.

We then match you with possible insurance options while also educating you about the terms and conditions of the policy. Once you decide, we will collect and submit your details to help you acquire coverage immediately. We strive to provide you with before, during, and after the policy purchase. It’s part of our commitment to providing exceptional customer service that helps provide security with quality insurance products.

Find Out More

If you would like to learn more about recreational insurance or any other great insurance products we offer to the residents of Dover, NH, don’t hesitate to get in touch with us. Feel free to call or stop by the Gateway Property & Casualty office to speak with one of our friendly agents. Get the peace of mind that only insurance can provide to those who own recreational vehicles. We look forward to working with you.