In the case of a bass or ski boat, your homeowners' policy may provide

coverage. Check with your agent for details; there may be certain limitations

on boat length or horsepower. You may require a separate recreational vehicle

policy to cover your liability while the boat is in operation, and property

damage insurance to cover the boat.

With an ATV, you have similar considerations. Your automobile insurance

or your homeowners may cover your liability if someone is hurt while your

ATV is in use, and may also cover damage to the vehicle. If not, a recreational

vehicle policy is available for ATVs, too.

A sport like mountain climbing brings with it its own set of insurance considerations.

Look into the possibility of buying insurance to cover that all-important

equipment you will need. Also consider an accident insurance policy to cover

you during the climb.

There are specialty insurers who offer a variety of coverages, including

medical and liability, for most "extreme sports" activities such

as parasailing, skiing, martial arts, amateur team sports, etc.

Planning now for your insurance needs will help you to relax and enjoy your

new sporting venture, or to continue to enjoy the ones you are already involved

in.

(Please send your insurance questions to: Insurance Commissioner John Oxendine,

716 West Tower, 2 Martin Luther King Jr. Drive, Atlanta, GA 30334. Or call

404-656-2070 (outside the Atlanta area call 1-800-656-2298), Monday through

Friday, 8 a.m. to 7 p.m., for assistance with an insurance question. Also,

visit www.gainsurance.org.)