Recreational Insurance
What's included
What It Covers
Liability Protection
Can help pay for injuries or property damage you cause to others while operating your boat, ATV, RV or other recreational vehicle.
Physical Damage
Collision and comprehensive coverage can help pay to repair or replace your vehicle or boat after an accident, theft, fire, vandalism or storm.
Medical Payments
Can help pay medical expenses for you or your passengers if they are injured, regardless of fault.
Uninsured Boater or Motorist
May help protect you if you are injured by an operator who has no insurance or not enough insurance.
Equipment and Accessories
Can help cover attached equipment and accessories, such as electronics, custom parts and, in some cases, trailers, depending on your policy.
Personal Belongings
Many RV and boat policies can help cover personal items you keep on board, such as clothing, fishing gear and camping equipment.
Who Needs It
- Owners of boats, personal watercraft and yachts
- Owners of RVs, motorhomes and travel trailers, including full-time RVers
- Riders of ATVs, UTVs, dirt bikes and snowmobiles
- Motorcycle riders and golf cart owners
Optional Coverages
- Towing and On-Water AssistanceCan help with roadside or on-water towing, fuel delivery and jump-starts if you break down.
- Agreed Value CoverageLets you and your carrier agree on the value of your vehicle or boat up front, which is typically used to settle a covered total loss instead of a depreciated value.
- Vacation LiabilityFor RV owners, can help provide liability coverage while your RV is parked at a campsite and used as a temporary residence.
- Fuel Spill and Wreck RemovalBoat policies may include or offer coverage for fuel spill cleanup and the cost of removing a wrecked or sunken boat.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Doesn't my home or auto policy already cover my boat or ATV?
Usually only in a limited way, if at all. Homeowners policies often cover small boats with low limits and may exclude ATVs used away from your property. A separate recreational policy can help fill those gaps.
Can I adjust coverage for the months I don't use it?
Many carriers offer lay-up or seasonal options for boats, snowmobiles and motorcycles that are stored part of the year. Coverage for theft, fire and other damage while in storage can usually stay in place. Options vary by vehicle, policy and carrier.
How much coverage do I need?
It depends on the value of your vehicle or boat, how often and where you use it, and who else operates it. Our agents can help you compare options and choose limits that fit.
Am I covered if someone else drives or operates it?
In many cases, coverage can extend to people you allow to use your vehicle or boat, but terms vary by policy and carrier. It is a good idea to list regular operators and confirm any restrictions before lending it out.
Ready to Get Started?
Get a personalized Recreational Insurance quote or speak with one of our experienced agents.