Recreational vehicles are defined as the following: All terrain vehicles, dune buggies, golf carts, mini-bikes, motor homes, motorcycles, recreational vehicle trailers, snowmobiles, trail-bikes, off-road vehicles, antique and classic autos, and various watercraft including jet skis.
Most recreational vehicles are NOT covered by your Homeowners policy. Many people think that it’s covered under their Homeowners policy because it’s considered personal property. But, actually you need to have a separate policy or an endorsement to your current Homeowners policy to cover it with most insurance companies.