If you’re looking for easy ways to secure your travel adventures, Spokane, WA recreational vehicle owners find solace in exploring the open road with insurance. Adventurers can stay safe when they secure their ride with recreational insurance from Western Insurance Associates! 

What Recreational Insurance is and Why You Need it in Spokane

Protect your RV and other recreational vehicles with insurance whether you’re cruising along the scenic byways of Riverside State Park or camping beside the Spokane River. Adventurers get peace of mind in knowing they have comprehensive insurance coverage that can help cover the costs of accident-related damages and non-collision-related incidents. 

Local adventurers can opt for basic recreational insurance, which adds basic coverage for liability and bodily injury claims. Extend the limits of your policy with comprehensive coverages that can protect your recreational vehicle, passengers, and valuable contents. 

Comprehensive coverage ensures that your recreational vehicle is covered for damages related to accidents, thefts, vandalism, natural disasters, and other custom coverages. A knowledgeable agent at Western Insurance Associates can talk to you about the benefits of recreational insurance and provide options for policy discounts and add-ons like emergency roadside assistance. 

Recreational Insurance Quote – Spokane, WA

The first step to starting a recreational insurance policy is to talk to a trustworthy insurance agent to learn more about your coverage options and provide details about your driving history. 

Western Insurance Associates in Spokane, WA, understands the unique needs of local adventure enthusiasts. Our licensed and knowledgeable insurance agents can help you choose the best coverage options for your recreational vehicle and provide you with a free quote. 

Please don’t wait until it’s too late to get adequate insurance coverage and protect your adventures. Contact a friendly insurance at and get a free quote today! 

If you own a recreational vehicle, you’re probably very proud of your accomplishment. Buying an RV can sometimes be very expensive and sometimes cost as much as a house. With such a costly investment, you certainly want to ensure that you have it adequately insured, but you might wonder what exactly recreational insurance covers. Here is an overview to give you a better understanding of what this type of insurance covers.

Damage & Liability 

RV coverage will cover repairing or replacing your RV if you’re ever in a car accident. Also, like regular auto insurance, RV insurance covers any liability. This means that if you’re ever involved in an accident while driving your RV, and you’re found to be at fault, your insurance will pay to have the other person’s vehicle repaired or replaced. It will also cover the other driver’s medical bills, if necessary. 

The Specifics

Here is a list of what your RV insurance should cover so you will know what to expect if you ever need to file a claim. 

• Travel trailer insurance
• Personal items inside the RV
• Emergency expenses if you’re in an accident or experience a breakdown
• Emergency roadside assistance
• Replacement if your RV is damaged beyond repair
• Any damage incurred while the RV is in storage

Now that you know precisely what recreational insurance covers, you should consider Western Insurance Associates if you’re in the market for a new RV insurance provider and a Spokane, WA resident. We at Western Insurance Associates have been providing top-notch service and coverage to customers for over 100 years. Call us today, and one of our knowledgeable agents will happily provide you with a quote. 

If you live in Spokane, WA, and you’re outdoorsy, chances are you own some recreational vehicle or equipment. Whether it’s a snowmobile, ATV, camper, boat, or something else, having the right insurance coverage for your recreational vehicle or equipment is essential. Western Insurance Associates explains recreational insurance and why you need it in this post. 

What is Recreational Insurance? 

Recreational insurance is a type of insurance policy that covers any recreational activity or vehicle that you may use for leisure purposes, such as camping, boating, snowmobiling, and more. It can provide coverage for physical damage to property and liability coverage in case someone is injured while using your recreational vehicle.

Why Do I Need It? 

Having the right kind of recreational insurance can be essential in giving yourself peace of mind when enjoying outdoor activities. Not only does it protect your property from physical damage, but it also provides financial protection if an accident results in injury or death.

Additionally, some policies will cover loss due to theft or vandalism, and emergency roadside assistance should your vehicle break down while on a trip. 

Recreational insurance can also help prevent financial ruin due to medical costs if someone gets hurt while using your recreational vehicle or equipment. Medical bills can add up quickly, so having the right coverage can help protect you from incurring out-of-pocket costs. 

If you own any recreational vehicle or equipment in Spokane, WA, having the right recreational insurance is essential. If you still have questions, contact Western Insurance Associates for more details. We’re here to help.

If your family plans to take a vacation soon, you may want to consider purchasing recreational insurance if you plan to take an RV. If you have an RV or plan to rent one, you may have potential risks that exceed the level of protection currently in place. Western Insurance Associates’ expert team, serving Spokane, WA, is ready to assist you. 

Recreational Insurance

Recreation insurance provides extra protection that your current coverage doesn’t offer. There may be a risk of additional losses that this insurance can cover, which gives your family peace of mind while out on the road. Are you currently insured or plan to have insurance but don’t know if you need recreational insurance to give the right level of coverage? Our agents can help. 

We are experts who can carefully assess current needs and offer recommendations that suit each customer’s situation. If you need recreational insurance, we can provide policies that match your coverage requirements and give you the security you want while traveling in your RV. No more wondering if you have enough insurance to replace or repair belongings if there is a covered event. 

Our agents can also help you file your documentation and submit all the necessary forms to ensure you have coverage before leaving. They also help with any adjustments or submission of claims. We believe in complete service before, during, and after an insurance purchase. 

Reach Out Today

If you live in or near the Spokane, WA, area and plan to take a family vacation in an RV, you should visit us to find out how we can help with top insurance coverage that protects your investments and more. We are ready to help provide a wide range of coverage for our customers, including recreational insurance. Stop by or call Western Insurance Associates today. 

Purchasing an RV can be extremely exciting, as it opens up the possibility of traveling in the comfort of a home. However, prior to taking your RV on the road, you will need to properly insure your recreational vehicle. As a Spokane, WA resident, you may wonder why RV insurance from a professional insurer like Western Insurance Associates is so important. Keep reading to find out why.

Why Does RV Insurance Matter?

RV insurance will protect your recreational vehicle from damage at any given time. When your RV is stored in the yard, it may be protected by your home insurance policy. However, when it is being used, you will require a separate policy to ensure you are properly protected from various incidents.

In some states, an RV insurance policy is required. Further, some campgrounds may require that you show proof of insurance before being allowed to stay. Otherwise, you will be unable to stay on their property.

How Are Coverage Amounts Determined?

The type and amount of RV coverage that you invest in will primarily be affected by the type of recreational vehicle you have. For instance, if you purchase a bus or motorhome, you want to ensure you have sufficient coverage to protect the engine, vehicle components, and living quarters. If you have a towable camper, protection for the living quarters may suffice.

Regardless of the type of recreational vehicle you buy and insure, you want to ensure that your insurance coverage is enough to protect the RV’s full value, any personal belongings, furniture, equipment, etc.

If you have questions about RV insurance in Spokane, WA, don’t hesitate to reach out to us at Western Insurance Associates.

Whether you own an RV, motorhome, or campervan, you are always eagerly waiting for the warm season to get started with vacations and camping trips. Besides, if you own a boat, ATV, or an off-road vehicle, you can’t wait to have fun in the wild. But one thing that you might not be keen about is recreational insurance. In fact, even now, you are asking whether you really need recreational insurance. 

Recreational insurance from Western Insurance Associates in Spokane, WA, comes at a cost, but it’s a must-have investment if you want to enjoy your recreational toy optimally. Still not convinced why you need recreational insurance? Here are the reasons why it’s a necessity.

It may be required

If you own a motorized recreational vehicle in Washington, the law requires you to purchase recreational insurance. You see, your RV is just like a vehicle. And as such, the same insurance laws applicable to cars apply to your recreational vehicle. 

While recreational toys like boats, ATVs, and personal watercraft are not legally required to have insurance, there exist other reasons you should invest in recreational insurance.

To protect your asset against physical damage

Your recreational vehicle gives you fun, and you wouldn’t want that to stop. But one mishap can change your boating, off-road, or road trip experience into a nightmare. Accidents can damage your recreational vehicle, spoiling the fun. While insurance doesn’t prevent accidents, it ensures you don’t start from scratch when perils strike. 

Liability protection

Accidents can happen while operating your RV. And if you are deemed liable, you could face property damage and bodily injury claims from third parties. Worse yet, you could be hit with litigations for negligence, missed wages, and so on. Thankfully, if you have liability coverage, such costs become the headache of your insurer.

If you own a recreational toy in Spokane, WA, you should have recreational insurance at the back of your mind. And the good thing is that getting coverage is easy when you partner with Western Insurance Associates. Contact us today, and our team shall give you the protection you deserve. 

Life as an off-road lover comes with many benefits. Not only do you have the opportunity to enjoy nature, but you can also engage in adventures city life does not provide in Spokane, WA. Taking life by the horns means having the right insurance that lets you confidently explore the wild. Western Insurance Associates can help you understand the importance of recreational insurance and how a policy can enhance your off-road experience. 

What does recreational insurance cover?

Recreational insurance covers off-road vehicles such as all-terrain vehicles (ATVs), utility terrain vehicles (UTVs), and dirt bikes. A standard auto insurance policy does not typically provide coverage for these types of vehicles because of their design and use. Recreational insurance closes the gap so you do not have to pay for damages out-of-pocket when an incident occurs in Spokane, WA. 

How does recreational insurance work?

Recreational insurance works much like a standard auto indemnity plan. You receive protection based on your preferences and policy limits. 

Those who pay more in monthly premiums may find their indemnity plans cover more incidents. Meanwhile, those who pay less in monthly premiums may experience more out-of-pocket expenses. 

How much recreational insurance do you need?

The amount of recreational insurance you may need depends on a number of factors, which include:

• How often you operate your off-road vehicle;
• Whether or not you plan to have passengers;
• Whether or not you need coverage that provides total replacement in the instance that your off-road vehicle is completely destroyed. 

Western Insurance Associates can help you build the recreational insurance policy that best suits your lifestyle. Call them today to get started with a quote for coverage!

Those that live in the Spokane, WA area will likely love the amazing outdoor recreation opportunities that are all around. No matter what time of the year it is, there is always an opportunity to enjoy fresh air and nature. One way that you can have even more fun and enjoyment by getting a recreational vehicle. When you own a recreational toy, it is important to get insurance for it. There are several situations when this could be a requirement for you. 

Local Requirement for Liability

One situation when you will need to get insurance for your recreational toy is when it is a local requirement. Depending on where you want to use your recreational toy, you may need to meet local liability requirements. Certain areas in the Spokane area will require that you have insurance to ensure you can cover damages if you cause an accident when using your recreational toy. You may need to provide evidence of insurance before using it in these locations.

Provides Coverage for Asset

Another reason to get recreational toy insurance is that it will provide you with coverage for your asset. Buying a recreational toy is always a big purchase and one that needs to be covered by insurance. When you do get insurance coverage, you will receive protection against many risks, including the risk of accident damage, theft, or even damage related to bad weather. 

When you own a recreational toy in the Spokane, WA area, it is crucial to consider your insurance needs. When you are looking for insurance, you should contact Western Insurance Associates. The team at Western Insurance Associates will be able to provide you with a variety of services to ensure you select a policy that is right for your situation. 

Recreational insurance covers a variety of recreational vehicles, including campers, ATVs, jet skis, and off-road bikes. At Western Insurance Associates, the agents understand the importance of having the right type of insurance policy in place when you are on vacation or hitting the trails. Fairfield and Spokane, WA residents who own recreational vehicles need to make sure they are adequately insured.

Protects Your Investment

Having recreational insurance on your motor home, ATVs, and other recreational vehicles are essential if you want to protect your investment. Replacing a recreational vehicle of any kind after an accident can be costly. The right type of insurance protects your investment.

Covers Your Liability Costs

Recreational insurance also covers any liability you may suffer if an accident occurs. This can include medical expenses if a passenger is injured. If you are leasing or renting a motor home, your recreational insurance will cover damages if an accident occurs while it is in your possession.

Protects Personal Property

There are times when a property is damaged due to an accident involving a recreational vehicle. Recreational insurance can be used to cover this type of damage, as well. It’s important to talk to your agent to find out what types of damage are covered and how much coverage you may need to be fully protected.

Residents who live in Spokane, WA, and the surrounding areas are encouraged to call the agents of Western Insurance Associates to find out more about recreational insurance and its many benefits. Not having the right coverage can quickly put a damper on your fun if an accident should occur. Call and speak to an agent today to make sure you are fully covered before you take off on your next adventure.