Recreation vehicles, jet skis and golf carts can be insured if a primary insurer provides a personal liability policy with a minimum liability limit of $300,000 CSL or $250,000/$500,000/$100,000 split limits. Primary insurer must be an admitted insurer with A.M. Best Rating of B+ (VII) or higher.
Recreational vehicles that are not licensed for road use. Recreational vehicles typically include jet skis, dune buggies, all terrain vehicles (ATV’s), minibikes, trail bikes, and snowmobiles. We will write golf carts. However, the following are not eligible:
- Unlicensed recreational vehicles or jet skis with a speed greater than 60 MPH
- Any three-wheeled ATV