Most insurance companies define recreational vehicles as the following:

-All terrain vehicles
-Dune buggies
-Golf carts
-Motor homes
-Recreational vehicle trailers
-Off-road vehicles
-Various watercraft, including jet skis

A recreational vehicle policy typically protects against damage to vehicle or property, theft, vandalism, injury to insured or other people, personal liability, and/or accidents with uninsured or under-insured motorists.

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