Your Home & Auto Insurance May Not Cover Your Recreational Vehicles
If you own an e-bike, ATV, scooter, or golf cart, or anything that moves with a motor you might assume your homeowners insurance has you covered in case of an accident. Unfortunately, that’s often not the case.
The Coverage Gap
Most standard homeowners insurance policies exclude liability coverage for motorized vehicles, even recreational ones. This means if you’re riding your e-bike and accidentally injure someone or damage their property, your home insurance likely won’t pay for the resulting medical bills, legal fees, or property damage claims.
The same applies to ATVs, electric scooters, and golf carts. While these vehicles may seem like harmless recreational equipment, insurance companies typically classify them as motor vehicles that fall outside the scope of home insurance protection.
Protecting Yourself
The good news is that specialized insurance options exist for these vehicles. Many insurance carriers offer specific policies or enhancements for e-bikes, ATVs, and other recreational vehicles.
Don’t wait until after an accident to discover you’re uninsured. Please contact our office to review your coverage and ensure you’re protected while enjoying your recreational vehicles.