Recreational vehicles can bring a lot of enjoyment, whether you are boating on Lake Murray, riding a motorcycle through the Midlands, taking an RV trip across South Carolina, using an ATV on private land, or driving a golf cart in an approved community. But these vehicles can also create property, liability, passenger injury, theft, accident, and weather-related risks.
Adams Eaddy & Associates helps individuals and families in Columbia, SC and the surrounding Midlands compare recreational insurance options from multiple insurance carriers. If you are searching for boat insurance, motorcycle insurance, RV insurance, ATV insurance, or golf cart insurance, our local independent agents can help you begin the quote process.
Recreational vehicle insurance options may be available for:
Get A Recreational Insurance Quote
Boat insurance can help protect your investment from certain accidents, storms, theft, fire, vandalism, passenger injuries, and liability claims, depending on the policy terms, limits, and exclusions. While boat insurance may not be required in every situation, lenders, marinas, storage facilities, or leasing agreements may require certain types of insurance.
For Columbia-area boat owners, insurance needs can vary based on how and where the boat is used. A fishing boat on Lake Murray, a pontoon used on weekends, a personal watercraft, or a larger boat kept near the South Carolina coast may each require different insurance coverages.
Liability boat insurance may help cover certain damage or injury claims involving other people or property. Broader policy options may also include physical damage protection for your own boat, motor, trailer, equipment, and accessories, depending on the policy.
Adams Eaddy & Associates can help boat owners in Columbia, Lake Murray, Lexington, Irmo, Chapin, Forest Acres, Cayce, West Columbia, and nearby South Carolina communities compare available boat insurance options.
Request A Boat Insurance Quote
Like car insurance, motorcycle insurance may include liability insurance as the required foundation, with additional options available depending on your motorcycle, budget, and riding habits.
Motorcycle insurance options may include liability, collision, comprehensive, uninsured motorist, underinsured motorist, medical payments, passenger liability, accessory insurance, and roadside assistance. Policy availability and requirements can vary by insurance company and state.
Below are several motorcycle insurance coverages to discuss with your agent.
Liability insurance may help pay for certain injuries or property damage you cause to others in an at-fault accident. This type of insurance generally does not pay for damage to your own motorcycle. Some motorcycle policies may include guest passenger liability, but it is important to confirm how passengers are treated under the policy.
Collision insurance may help pay for damage to your motorcycle after an accident or collision, less your deductible. This may apply whether the accident involves another vehicle, a fixed object, or a single-bike crash, depending on the policy.
Comprehensive insurance may help protect your motorcycle from certain non-collision events, such as theft, fire, vandalism, falling objects, hail, or storm damage, subject to the terms and exclusions of the policy.
Uninsured and underinsured motorist insurance may help if you are injured in an accident caused by a driver who has no insurance or does not have enough insurance to pay for the damages. This can be an important discussion for riders in Columbia and across South Carolina.
Get A Motorcycle Insurance Quote
Recreational insurance is not limited to boats and motorcycles. Many Columbia-area households also need insurance for RVs, campers, ATVs, golf carts, utility trailers, and other recreational vehicles.
Depending on the vehicle, how it is used, and where it is operated, a standard home or car insurance policy may not be enough. A separate recreational insurance policy may be needed for liability, physical damage, theft, passenger injury, accessories, equipment, or trailer-related risks.
Recreational insurance options may be available for:
If you use an RV for travel, an ATV for recreation, a golf cart in an approved neighborhood, or a trailer to move recreational equipment, Adams Eaddy & Associates can help you review policy options and requirements.
We have enjoyed doing business with Adams Eaddy & Associates since August of 2007. Every experience has been positive with all our questions and concerns responded to in a timely manner. All the employees at Adams Eaddy we have dealt with have been professional and courteous at all times. We look forward to continued business with Adams Eaddy & Associates.
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