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Kentwood, MI 49508

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Annual Policy Reviews for Your Recreational Insurance Policy

The many natural recreational areas near Grand Rapids, MI, make it a popular area, and those who reside here often own a few types of recreational equipment, such as boats, jet skis, snowmobiles, etc. At Dalessandro Agency Inc., we want to explain why your recreational policy needs an annual review.

Covering New Recreational Toys

Owners of recreational vehicles and watercraft frequently purchase more equipment. An annual policy review helps the policy owner discover when they need to add a new purchase, such as an ATV or jet ski, so it also receives coverage. Any insurance policy covers only what the policyholder owned when they purchased it unless they specifically added a new item to it.

That means the recreational policy purchased to cover a jet ski bought in 2020 only covers it. When the owner buys another jet ski in 2023, the existing policy does not automatically cover it. The policy owner must contact their insurance agent to add the second jet ski.

Annual Reviews Uncover Coverage Holes

When you consult with your insurance agent about your recreational toys, you may discover that your policy can cover many types of vehicles. A recreational policy can cover watercraft, snowmobiles, and land vehicles, such as dune buggies, all on the same policy. You only need to add scheduled coverage for each. That means you specifically list the item in the policy and state its value.

Contact Dalessandro Agency Inc. Today

Contact Dalessandro Agency Inc. today to schedule your free recreational insurance policy review. Let us help you ensure that all your recreational toys receive insurance coverage before you enjoy the great outdoors around Grand Rapids, MI. Call us today!

Get Your Golf Game Covered: Golf Cart Insurance in Grand Rapids, MI

Golf carts are increasingly becoming popular modes of transportation on the green and in residential communities, parks, and other settings. While they might be fun and convenient, protecting yourself and your investment with golf cart insurance is essential. For Grand Rapids, MI residents, Dalessandro Agency Inc. offers a range of coverage options to ensure your golf cart experience remains enjoyable and worry-free.

Navigating the available coverage options for your golf cart can be challenging, but our team is here to help you make informed decisions. Here are some key coverage options to consider when insuring your golf cart in Grand Rapids, MI:

Collision Coverage

Accidents can happen, even on the golf course. Collision coverage protects your golf cart in case of an accident with another vehicle or object, covering repair or replacement costs.

Liability Coverage

Liability coverage is crucial for protecting yourself if you’re held responsible for property damage or bodily injury caused by your golf cart. This type of coverage can cover legal fees, medical expenses, and other costs associated with an accident.

Comprehensive Coverage

Comprehensive coverage is essential to your policy to safeguard your golf cart against theft, vandalism, or damages from events like fire or severe weather. Knowing that your investment is protected against unforeseen circumstances provides peace of mind.

Customizing Your Golf Cart Insurance

Every golf cart owner’s needs are unique, so our team is committed to helping you find the right coverage to match your specific requirements. We’ll work with you to understand your needs and tailor a policy that provides the best protection for your golf cart.

Secure Your Golf Cart Insurance Today

At Dalessandro Agency Inc., we aim to ensure you can enjoy your golf cart confidently, knowing that you have the right insurance coverage in place. Don’t let uncertainty get in the way of your golf game or leisurely rides around the neighborhood. Contact our team today to discuss your golf cart insurance options and secure the coverage that best suits your needs.

Do You Actually Need Recreational Insurance?

Recreational vehicles are a wonderful way to make family vacations in and around Grand Rapids, MI more personal, fun, and spontaneous. However, it’s important to plan ahead to make sure your trips go smoothly, and taking out the right insurance is part of that.

But do you really need recreational insurance, in particular? Here’s what you need to know before contacting your Dalessandro Agency Inc. agent and setting up your next policy.

What Counts as a Recreational Vehicle?

According to Michigan state regulations, a recreational vehicle is any new or used vehicle meant to provide travelers with a place to stay while traveling, camping, or enjoying any similar activity. Of course, RVs and mobile homes are included, but so are towable pop-up campers, trailers, and similar options.

What Are the Benefits of Having Recreational Insurance?

Recreational insurance offers the same basic protections you’d expect from standard auto insurance and similar types of coverage. But it also comes attached with additional benefits that would be especially useful for people who travel with recreational vehicles.

These include various levels of coverage for your belongings, liability coverage that addresses more different possibilities travelers could face, and more.

Do You Really Need Recreational Insurance?

In Grand Rapids, MI, you are required by law to insure vehicles like RVs and mobile homes. But anyone who owns a recreational vehicle of any kind should consider recreational insurance a necessity regardless.

Not only does it protect your investment in your vehicle and in the vacations you plan for your family, but it gives you true peace of mind. That peace of mind comes from knowing you, your family, and your irreplaceable belongings are protected in the event something unforeseen happens while you’re away.

Contact Us Today

You never know what could happen while you’re camping, traveling, or otherwise miles from home, but recreational insurance can help keep you safe, come what may. Talk to a Dalessandro Agency Inc. agent about your options today!

4 Areas Covered by Recreational Insurance

If you have a boat, bike, ATV, or snowmobile in Grand Rapids, MI, recreational insurance can be an excellent way to have the best of times when using your toy. If you don’t know what recreational insurance covers, here is a rundown from Dalessandro Agency Inc. on critical areas covered by this coverage. 

4 Areas Covered by Recreational Insurance

Liability protection

Whether you are in the water, off-road, or cruising on the open road, you can cause an accident that results in bodily injury and property damage. Without recreational insurance, you will have to cover liability claims from your pocket. Thankfully, including liability coverage in your recreational insurance means third-party costs are taken care of.

Asset protection

Whether you own a boat or an RV, your toy doesn’t come cheap. It makes sense to protect your asset with insurance like most precious things. Recreational insurance compensates you when your toy is stolen or damaged.

Medical coverage

Suppose you are off-roading with your ATV, only to hit a rock, and your toy rolls over. In such accidents, it is not only your vehicle that suffers damage; you could suffer injuries, too. If you have recreational insurance, it covers your medical costs, including partial loss of wages if you can’t resume your source of income due to injuries.

Uninsured motorist coverage

The chances of being crashed into by an uninsured motorist are high. Regrettably, you are left with uncovered damage and bodily injury costs when you encounter such motorists. One of the ways you can recover such losses is through suing. However, this may be time-consuming and frustrating. The good news is that you don’t have to go through this if you have recreational insurance.

Does recreational insurance appeal to you? If yes, please get in touch with Dalessandro Agency Inc. for affordable coverage. We serve many regions, including Grand Rapids, MI.


When To Get Recreational Insurance

People in Michigan often own RV models to travel around the state’s various beautiful natural campgrounds. We at Dalessandro Agency Inc. can provide Grand Rapids, MI, and other city residents with the policy that they need. But when should you get RV insurance?

When Your State Requires It 

It might seem obvious to point this fact out here. However, many states do not require you to cover your RV when using it. How about Michigan? Michigan typically has fairly extensive insurance rules, and it does require you to have an insurance policy on your RV. 

If you live outside this state and are reading this, check with your state rules to see if you need protection. In states where you do not need RV insurance, you might be tempted to ignore this coverage. That is not a good idea because a policy can protect you from many issues. 

Why You Probably Need RV Insurance Anyway 

RV insurance keeps your vehicle protected with a few different coverage options. These include elements that feel like a home policy and those that feel like vehicle coverage. After all, an RV is both at times, and it needs protection for liability and damage situations. 

Make sure that you talk with your insurance provider to learn more about how the different classes can affect your policy. For example,l a Class A or Class B vehicle needs a different kind of protection than Class C, as the latter type is towed and does not have a self-propelling mode. 

Help is Available for You

Don’t hesitate to contact us at Dalessandro Agency Inc. if your Grand Rapids, MI RV needs protection. Our team will work with you to ensure that you get the proper level of protection for your needs. Just talk to us today to learn more.

Do all recreational vehicle owners need recreational insurance?

The Grand Rapids, MI area continues to provide a lot of great opportunities to have fun at a variety of recreational parks. When you are looking to purchase any type of recreational vehicle, it is always a good idea to have the right insurance in place for it. There continue to be different reasons why the typical person will be required to carry recreational insurance at all times. 

Insurance is Required by Lenders

One situation when you will be required to carry a recreational insurance plan is when you have taken out a loan to purchase your vehicle. Recreational vehicles are important assets that can require a significant upfront purchase. If you have purchased the asset through the use of a loan, you will need to comply with the lender’s requirements. This normally includes requiring you to carry a full insurance plan. 

Insurance is Required to Mitigate Liability Risk

Another reason that you will need to get a recreational insurance plan is so you can mitigate liability risk. There will always be a risk that you could cause an accident and damage when using a recreational vehicle. As you will be responsible to cover damages, having protection against this risk is very important. With recreational insurance, you will have the protection you need to ensure you are covered if you have to pay for any damages. 

If you need to get a new recreational insurance plan, and you are in the Grand Rapids, MI area, it would be a good idea for you to call Dalessandro Agency Inc. There are a lot of great reasons to get recreational insurance, and Dalessandro Agency Inc. can explain all the benefits and options. They can then offer any support you need to choose a new plan. 

Three steps to selecting a recreational insurance policy

Purchasing a recreational insurance policy is essential for both protecting your assets and your finances from liability expenses. We provide recreational insurance to consumers in Grand Rapids, MI at Dalessandro Agency Inc.

If you need recreational insurance, you should go through the following three steps as part of the process of selecting a recreational insurance policy. 

Determine your RV type

When you purchase recreational insurance for your RV, you need to designate which type of RV it is.

There are many different types of vehicles or trailers that are classified as recreational vehicles. These include sport utility RVs, motorhomes, travel trailers, and more. Motorhomes are classified as either Class A, Class B, or Class C motorhomes.

The type of vehicle you’re insuring is an important consideration regarding your policy. That’s why you need to determine and be aware of your RV type as a step in finding the right insurance solution. 

Consider feature options for recreational insurance policies.

There are numerous feature options when it comes to recreational insurance. These include total loss replacement coverage, vacation coverage, emergency expense coverage, and roadside assistance. Be aware of these options and decide which ones you want or need. 

Comparing costs

One essential step in choosing a policy is comparing the costs of various policies available to you. To do this, you can get quotes from different providers out there. 

When comparing costs, you shouldn’t evaluate the cost alone. Choosing the cheapest policy is never a good idea. Instead, you should compare the value provided by each policy. Please make sure you know exactly what types of coverage a policy is offering before deciding on purchasing it or passing it over. 

Get started finding your recreational insurance solution today. We’re standing by to answer all your questions at Dalessandro Agency Inc. Let us help you find your recreational insurance solution in Grand Rapids, MI!