What is the primary focus of recreational lines in insurance?

The primary focus of recreational lines in insurance is to cover recreational vehicles and equipment. This specialized insurance segment addresses the unique risks associated with vehicles and equipment that are typically used for leisure activities. These can include RVs (recreational vehicles), ATVs (all-terrain vehicles), boats, and personal watercraft, as well as equipment like camping gear and motorized sports products.

This focus allows for tailored coverage options that address the specific needs and potential hazards of recreational activities—such as damage due to accidents, theft, or liability claims arising from their use. This is distinct from other types of insurance that focus on different categories, such as commercial transportation services, standard auto vehicles, or home appliances, which do not encompass the leisure and recreational aspect that recreational lines specialize in.