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Springtime and Powersports...What you Need to Know about Boats, RVs and Motorcycles

Springtime and Powersports...What you Need to Know about Boats, RVs and Motorcycles

April 30, 2024

It’s Springtime. The birds are chirping, flowers are blooming, and the excitement of outdoor adventures is in the air. That means for outdoor enthusiasts, now is the perfect time to make plans to hit the water, the campsite or the open road.  That’s right, it’s the season for boats, motorcycles, RVs and other recreational vehicles. Before you head out on the open water or winding road, make sure you are considering all of those important decisions when it comes to adding a new powersport vehicle or boat to your household. Spring offers the best weather conditions for testing new vehicles but buying a new vehicle can involve a lot of planning. 

Here are some things to keep in mind:

Dealers stock up before the warmer weather season, so check out what offers and financing options are available. Look at JD Power or Kelley Blue Book for the best value and prices on used boats or vehicles. Understand the maintenance requirements and costs associated with ownership, especially with boats and RVs. If buying used, look at mileage and repair service records.

InsuranceInsuring your new vehicle depends on a number of factors and is different depending on the new item you are selecting.

Boats: Things to keep in mind when buying a boat are the length, age, value and type of boat you want to own. Speed/horsepower will also play a part in the cost. With boats there are many different classes (sailboats, speedboats, fishing boats and how they are used also will impact your insurance and possibly where you plan to dock, use a slip, moor or dry dock in a marina.

Motorcyles: You will need to decide if this is purely for recreational use or you plan to use your new bike for your daily commute, business or deliveries. Explore various types of motorcyles (cruisers, sport bikes, touring bikes) and find what best fits your needs. Consider things like minimum liability or a more custom policy that includes collision or comprehensive coverage. Other impacts can be choices in deductibles, driving history and driver age.

RVs: Determine the size and type of RV (motor home, travel trailer, camper van) that suits your needs. Consider coverage needed based on how often you will be using it and distance travel that is planned.

Once you have made plans to purchase, consider where you store or park your new boat, motorcycle, RV or other sports vehicle. Do you have garage space or need to rent a parking spot, garage or for a boat, a boat slip, dry dock, or marina, etc. What are fees for camp sites you need to consider for weekly or monthly site rentals as that will need to be factored into your budget.

What other licensing, gear, training, classes, etc. additional costs do you need to consider before owning a new boat or recreational vehicle. Budget for the critical items, like helmets, life jackets, gloves, etc.

As you make a decision, consider joining clubs and communities, so you can participate with fellow bikers, boaters or campers and share camaraderie and advice while you learn about your new recreation and adapt to new hobbies.

Spring and summertime are the perfect time to begin enjoying more of the outdoors and experiencing the opportunity of boat, motorcycle, RV or powersport ownership. Focus on learning everything you can and making safety a priority so you, your friends and family have many years to enjoy these adventures and activities. Reach out to Hurley Insurance Group on how to get the best rates to protect these new investments.