motorcycle, Boat & RV
insurance in maryland
Malhotra & Assoc. Insurance Has You Covered
Maryland Recreation Insurance
At Malhotra & Assoc. Insurance, our team of agents are ready to help you get your RV, boat, and motorcycle insurance today! No matter if it is for occasional use, or on a full-time basis, we can help you find the best coverage at the right price – quickly and easily.
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Maryland Recreation Insurance
Frequently Asked Questions
When it comes to recreation insurance in Maryland, we tend to get the same questions often.
Will Auto Insurance Cover an RV?
In some policies, auto insurance will provide you with coverage for RVs. However, for damages to your RV, you will need to buy RV insurance specifically.
Does RV insurance cover non-named additional drivers?
In Maryland, many RV insurance policies do not cover additional drivers. It’s always a good idea to follow up with your insurance agent to get more information. As there are specific RV insurance policies in Maryland that will provide coverage for additional drivers.
Purchase RV Insurance from Malhotra & Assoc. Insurance
Car insurance doesn’t have to be expensive. Malhotra & Assoc. Insurance will make sure you don’t have to break the bank to pay for crucial coverages. Working with top carriers, we will find and develop a policy that fits you, your vehicle and your wallet. Give us a call today or visit us at one of our locations!
Let Us Help You Find Recreation Insurance Today!
At Malhotra, we understand Maryland’s recreation insurance options. Our team are ready to help you navigate the choices available to you, and help you reach an informed decision about which policy is best.
You can rely on the experts at Malhotra to walk you through your insurance options honestly and simply. Whether you’re in need of coverage from storm-damage, collision, theft, or anything else Malhotra agents are here to serve you, and deliver a policy that meets your individual needs and demands; at a price you can feel happy with.
We dedicate ourselves to excellent customer service, and decades of experience ensure we have the answers you’ve been searching for!
What Comes with an RV Insurance Policy?
When you purchase full coverage for your RV in Maryland, your policy insures:
- Comprehensive RV Coverage
- Collision Coverage
- Liability Coverage
- Medical Payments
- Uninsured/Underinsured Motorist
- Optional Roadside Assistance for RVs
If you prefer, you can submit a few details quickly using this quote form, and a member of the team will get started on your RV insurance quote immediately.
What’s Included in a Maryland Boat Insurance Policy?
If you own a boat, it’s important to make sure you have the right coverage in place so you enjoy your time on the water with complete peace of mind. Here is a summary of the coverage you can expect to see offered when you buy insurance for your boat.
Buying liability insurance for your boat is key to protect yourself, your passengers, and other boat users. It can pay out to provide coverage for bodily injury and property damage.
This is designed to cover events that happen which are outside of your control, such as fire, theft, vandalism, sunken boats, hurricanes, heavy winds, and some other weather-related damage.
This will give you coverage from damage sustained during boating accidents, such as hitting another vessel or colliding with a submerged object.
Carry-on Items or Fishing Equipment Coverage
This element of coverage is designed to cover personal property, fishing equipment, or other items that you might carry onboard your vessel up to your policy limits.
Fuel Spill Coverage
This will cover any related costs to a fuel spillage clean-up.
Uninsured or Underinsured Coverage
If you are hit by another vessel, and they have no insurance in place or not enough insurance, this element of your coverage will pay out for damages and injuries up to the limit of your policy.
Wreckage Removal Coverage
This is designed to give you coverage if your boat sinks to help cover the cost of a wreckage removal.
Medical Payments Coverage
This works in the same way as with other insurance. If you or a passenger is injured on your vessel, this can help to cover immediate medical expenses that arise as a result of the injury.
Unattached Equipment Coverage
This is for any equipment that is not permanently attached to your vessel. It typically includes items such as lifesaving equipment, oars, anchors, tarps, water skis, fire extinguishers, etc.
This could give you coverage for breakdowns and help you get a tow, gas delivery, or loaned battery if your vessel becomes stranded or breaks down on the water.
If you are looking to buy boat insurance in Maryland, always talk with a local boat insurance expert first. You can ask questions and find out the cost of coverage for different levels of insurance.
At Malhotra & Assoc. Insurance, we can help you understand these options clearly and establish exactly what you need to buy.
If you prefer, you can submit a few details quickly using this quote form, and a member of the team will get started on your boat insurance quote immediately.
What’s Included in a Maryland Motorcycle Insurance Policy?
If you own a motorcycle, it’s vital you buy the best levels of coverage for your bike, yourself, and any passengers traveling on your bike. In this section, we outline the different elements of coverage you can buy when insuring your motorcycle in Maryland.
This essential coverage will give you protection if you’re involved in a collision with another vehicle or object.
Comprehensive insurance for your motorcycle is designed to cover those events that remain outside of your control. This could include fire, theft, wind, water, vandalism, and some other weather-related events. Each insurer will have different exclusions, so it’s important to check what is and is not covered in the policy terms.
This is designed to cover property damage and bodily injury from a liability perspective when you are found to be at fault. It can also help towards legal costs should someone take action against you, regardless of fault.
Underinsured and Uninsured Coverage
In the same way an auto insurance policy works, this gives you coverage if you are involved in an accident with another driver who has no insurance or inadequate levels of coverage on their policy. It can also apply to hit-and-run accidents.
Personal Injury Protection
Also known as PIP, this coverage is designed to cover medical expenses, lost earnings, and some other damages, regardless of who is found to be at fault.
Medical Payments Coverage
Medical payments insurance can help with the immediate cost of medication, medical co-payments, dental care, and some other deductibles from other health insurance policies following a covered event.
Emergency Assistance Coverage
If you break down and need roadside assistance, this coverage will ensure you get 24/7 access to help. It could also include a towing service to the nearest body shop or mechanic and help pay towards the cost of an overnight stay should you be away from home.
Custom Bike Coverage
If you have accessories or customized parts on your bike, then taking out additional coverage to cover these parts and upgrades could help you cover the additional costs of replacing these items.
If you need to buy motorcycle insurance in Maryland, it’s important to discuss your options with a local insurance agent first. Depending on how you use your bike, its value, the make and model, and your driving history, there will be different types of coverage options offered by different insurance carriers.
At Malhotra & Assoc. Insurance, our friendly, knowledgeable team can help you understand these options clearly and establish exactly what you need to buy. We will search our network of motorcycle insurers to get you the best coverage at the best price.
If you prefer, you can submit a few details quickly using this quote form, and a member of the team will get started on your motorcycle insurance quote immediately.
Frequently Asked Questions
About Recreation Insurance in Maryland
What exactly does RV Usage coverage mean?
This is related to the class of RV you own, either A, B, or C. This classification is due to the intended use of your vehicle.
How much RV insurance coverage do you need?
Ultimately, it may come down to the value of your RV, as most people will purchase enough coverage to cover their vehicle as well as the minimum amount of coverage required in Maryland.
In Maryland, RV owners must carry enough insurance for the below scenarios:
- $30,000 in bodily injury per person
- $60,000 in bodily injury per accident
- $15,000 in property damage liability
- $20,000/$40,000 in uninsured motorist bodily injury
- $10,000 in uninsured motorist property damage
How is the cost of RV insurance in Maryland calculated?
Some different aspects that can impact the cost of your RV insurance, are:
- State requirements
- Level of coverage
- Value of coverage
- Driving history
What types of RVs in Maryland can be insured?
The team at Malhotra provides custom insurance for a variety of different types of vehicles, such as:
- Class A Motorhomes
- Class B Motorhomes
- Class C Motorhomes
- Pop-up Campers
- Conventional Trailers
- Cargo or Horse Trailers
- Utility Trailers
- Fifth-Wheel Trailers
- Truck Campers
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