Recreational Insurance in Illinois

When it's time to hit the road, slopes, or water, George Ryan Jr. Insurance Group, Inc. should be your choice for Kankakee, IL independent recreational insurance agents. With years of experience and understanding of Illinois guidelines, your independent insurance agents at George Ryan Jr. Insurance Group, Inc. will find you the best rates for the coverage you need.

While you might think existing auto and home policies will cover your recreational items, in many cases, they do not. Avoid an unpleasant surprise by talking with us about what insurance you need. Here are some of the recreational items we can assist with your insurance needs:

• Recreational Vehicles, Motor Homes, Travel Trailers and 5th Wheels. Many automobile insurance policies do not cover the contents of RVs or motor homes. Many homeowner’s policies do not cover off-premises items, either. With sleeping quarters, appliances, awnings, air conditioners, satellite dishes, bathroom and kitchen fixtures, you want to make sure that you're covered for accidents and loss of property. Other considerations for RVs and motor homes are policies that cover towing and lodging costs.
• Boats and Personal Watercraft. While Illinois law does not require a boat to be insured to obtain title and registration, it's a smart idea to look at coverage related to collision, personal injury, and theft or damage. Most homeowner’s policies do not cover claims to larger items such as boats. If your boat is used as collateral for a loan, you may be required to have it covered. If you choose to dock your boat at certain harbors or marinas, you may also need insurance. Some carriers have limitations on the types of boats covered, based on factors such as size of the boat, age of the boat, and the type of boat.
• All-Terrain Vehicles. While insurance is not required for your ATV, some states require insurance when operating on state-owned land.
• Snowmobiles. Illinois requires liability insurance when riding on public trails.

In addition, count on George Ryan Jr. Insurance Group, Inc. for insurance on other recreational products such as classic or antique cars, mopeds, scooters and trailers. Contact George Ryan Jr. Insurance Group, your choice for Kankakee, IL recreational insurance, by using the online form or by calling 800-647-5121.