Call Us Today


  • 1617 Main St.
  • P.O. Box 276
  • Tyndall, SD 57066
  • (605) 589-3572


  • 108 S. Lidice St.
  • P.O. Box 206
  • Tabor, SD 57063
  • (605) 463-2558


  • 807 8th St.
  • P.O. Box 609
  • Springfield, SD 57062
  • (605) 589-3572


  • 904 W. 23rd St.
  • Ste. 103
  • Yankton, SD 57078
  • (605) 665-3572


  • 900 N. Main Ave. Ste. 100
  • P.O. Box 397
  • Tea, SD 57064
  • (605) 213-3572

Recreational Insurance Policies

Frequently Asked Questions on Recreational Insurance

How Does Recreational Insurance Work?

Most insurance companies define Recreational Vehicles as the following:

  • All terrain vehicles
  • Dune buggies
  • Golf carts
  • Mini-bikes
  • Motor homes
  • Motorcycles
  • Recreational vehicle trailers
  • Snowmobiles
  • Trail-bikes
  • Off-road vehicles
  • Antique and classic autos
  • Jet skis
  • Various watercraft vehicles

It protects against the same financial consequences as those covered in auto insurance policies: damage to vehicle or property, theft, vandalism, injury to the insured or other people, personal liability, and/or accidents with uninsured or underinsured drivers.

What Is Coverage Like for Toy Insurance?

Recreational vehicle policies cover more than what car insurance covers, primarily because owners keep more personal items, such as outdoor equipment, in large recreational vehicles. Insureds have wide latitude in how much and what kind of coverage to buy. Old vehicles may not warrant collision or comprehensive coverage. Affluent drivers may want to maximize liability coverage. Lenders may require collision and comprehensive insurance.

Watercraft insurance, also known as boat and personal watercraft insurance, often include towing and wreckage removal, as well as fuel spill indemnification. This type of insurance may be purchased for sailboats, house boats, and pontoon boats, as well as other watercraft up to a certain size and value.

The coverage provided by watercraft insurance varies according to the type of watercraft being insured. This is because different types of watercrafts carry different risks. The amount of damage to a watercraft that is covered under the policy is also dependent on how the policy treats depreciation.

Get A Toy Insurance Insurance Quote from Koch Insurance

To see how our recreational and watercraft insurance policies can help you feel secure, please contact us for a free quote. Koch Insurance agencies are located throughout South Dakota, with office locations in Tea, Tyndall, Tabor, Springfield, and Yankton. We'll provide you with all the information you need to make an informed decision on your safety.

Get a No Obligation Quote
©2024 Koch Insurance  |  Privacy Policy site by: Community Connections, Inc