Many boat and recreational vehicle owners assume that they are provided liability coverage for these vehicles under their homeowner’s policy, but that is not always the case. A boat and/or recreational vehicle owner faces risks similar to those of an automobile owner. One risk is damage to the owned boat or recreational vehicle, miscellaneous equipment or trailer. Another risk is causing injury to others through negligent use of the boat or recreational vehicle. Recreational vehicles include all-terrain vehicles, trail bikes, golf carts, mini bikes, dune buggies, jet skis and wet bikes.

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