Your off-road vehicle is built to take a beating. As rugged and tough as it may be, however, there are some conditions it just cannot stand up to. You never know when a fun afternoon ride could turn into a disaster. Protect your 4-wheeler and the people who ride it with ATV and UTV insurance from BWO Insurance.
Hazards and Risks
There are many dangers associated with ATV ownership. In fact, off-road vehicles are highly targeted by thieves, leaving owners at a total loss. Not to mention, there are many risks when riding, too, including the potential for rollovers and collisions. From injuries to property damages, the costs can add up quickly after an incident involving your ATV.
ATV Coverage Types
In Wisconsin, ATV riders have access to a wide range of coverages for physical damages, injuries, and liabilities. Policies can offer protection for:
- Collision damages to your ATV/UTV
- Non-collision damages to your ATV/UTV
- Uninsured motorist protection
- Accessories and enhancement coverage
- Injury and property damage liability insurance
As a motorcycle owner, you experience life a little differently than traditional motorists. You don’t drive; you ride – and that means you need insurance that covers the risks therein. At BWO Insurance, we offer Kenosha motorcycle insurance for many types of two-wheeled rides, from street bikes and cruisers to Choppers and scooters.
Coverage Needs and Requirements
Wisconsin state law requires that all motorcycle riders carry a minimum amount of insurance coverage. Likewise, many lenders require borrowers to insure their bikes against collisions and other damaging events. However, most riders need far more coverage than is required of them. Our team can help you assess your risks and find coverage solutions designed to meet your needs.
Liability insurance is what protects you against lawsuit-related losses when you are responsible for an accident while riding your motorcycle. This coverage can help pay for litigation fees, as well as you financial responsibility for third-party injuries and property damages. We recommend high liability limits to minimize your risk of out-of-pocket costs if you exhaust the limits of your coverage.
Physical Damages Coverage
If you are like most riders, you invested a lot into your bike. From the initial purchase to the upgrades you made since then, make sure your motorcycle is fully covered against collision and non-collision damages. Talk to your agent about collision and comprehensive coverage, as well as insurance that protects your OEM parts, after-market enhancements, bike accessories, and more.
There are several other coverages common to motorcycle riders. Your agent can provide additional information about:
- Medical payments coverage
- Uninsured/underinsured motorist coverage
- Roadside assistance and towing coverage
- Rental car coverage
- And more
Wisconsin in a boater’s dream. With more than 15,000 lakes, it would take decades of daily boating to see them all. If you own a boat in the Badger State, you need insurance that protects you and your watercraft against the hazards of being on the water. At BWO Insurance, we can help you build a policy that covers you from bow to stern and everything in between. We offer coverage for:
- Bass boats
- Fishing boats
- Wake boats
- Ski boats
- Personal watercraft
- And more
Who Needs Boat Insurance?
The average boat costs thousands of dollars. If your watercraft were stolen, damaged in an accident, or destroyed by some other type of event, such as a fire, could you afford to repair or replace it? Homeowners insurance does not cover most boat types, and for those it does, the protection is typically very restrictive. Instead, we recommend purchasing an insurance policy that dedicated to protecting you, your boat, and the people who ride in it.
We offer a wide range of coverage types, including:
- Physical damages coverage
- Trailer coverage
- Boater’s liability insurance
- Environmental liability
- On-the-water towing and assistance
- Wreckage removal
- Medical payments coverage
- And more
RV & Camper
RVs and campers offer something hotels never can – versatility. There is nothing like taking the comforts of home with you on the road and having a familiar place to retreat to day after day no matter where your path may lead. At BWO Insurance, we help RV and camper owners find insurance protection that holds up to legal requirements, campsite requirements, and the needs of the owner.
Your motorhome is valuable, and repairing or replacing it could cost a small fortune. Unfortunately, accidents can happen – even when your RV or camper is not in use. Talk to your agent about insurance that covers your rig when it is parked at home, serving as a temporary residence at a campsite, or traveling in between locations. In addition, we can also offer coverage for your personal property inside the camper, as well as your accessories, such as your RV’s awning.
Liability insurance is mandatory for all vehicles, including RVs. This coverage helps protect you against litigation and liability expenses if you are at-fault for an accident involving your rig. Vacation liability insurance is another type of coverage important for RV and camper owners. This coverage helps safeguard you against lawsuits when third-party guests are injured while visiting your motorhome when it is parked and being used as a temporary residence. For example, if a visitor cuts herself on a sharp piece of metal or some broken glass in your rig, vacation liability insurance can help cover your responsibility for paying her medical bills.
ATV, UTV, Motorcycle, Boat, RV, and Camper Insurance Quotes
If you own one or more recreational vehicles, make sure you have all the coverage you need to mitigate your risks. Contact BWO Insurance today for more information and to request your free quotes. We look forward to serving you soon.