Most insurance companies define recreational vehicles as the following:
-All terrain vehicles
-Dune buggies
-Golf carts
-Mini-bikes
-Motor homes
-Motorcycles
-Recreational vehicle trailers
-Snowmobiles
-Trail-bikes
-Off-road vehicles
-Various watercraft, including jet skis
A recreational vehicle policy typically protects against damage to vehicle or property, theft, vandalism, injury to insured or other people, personal liability, and/or accidents with uninsured or under-insured motorists.
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