With motorcycles, recreational vehicles, and watercraft being used extensively during the upcoming months, people are reminded to check with their local insurance agents to make sure they are covered.  Special vehicles may be treasured toys for adults, but the responsibility of finding insurance coverage may not be as fun.  Nicole Kirsten of Robertson Ryan & Associates in Kewaunee says it is always a good idea to review your policies.

Kirsten says riders on existing policies work well and are a good way to bundle more than one type of insurance together. She notes though that owners of fishing charter businesses should make sure their boats are under a commercial policy and not on their insurance.