Why Specialized Coverage Matters
Motorcycles, RVs, and boats represent freedom and adventure — but they also carry risks. Standard auto or homeowners policies often don’t provide adequate protection.
Motorcycle Insurance
Most states require liability coverage for motorcycles. You can also add:
- Collision and Comprehensive – Covers damage to your bike.
- Accessory Coverage – Protects helmets, custom parts, and gear.
- Medical Payments – Covers injuries regardless of fault.
RV Insurance
RVs are both vehicles and living spaces, so coverage often combines auto and homeowners elements:
- Liability Coverage – If you cause damage or injury on the road.
- Personal Effects Coverage – Protects belongings inside the RV.
- Vacation Liability – Covers accidents at campsites or while parked.
Boat Insurance
Boat coverage varies by size, value, and where you operate it:
- Liability Coverage – If you injure someone or damage property.
- Physical Damage – Covers repairs or replacement after accidents or storms.
- Towing and Assistance – Helps with breakdowns on the water.
Saving on Recreational Coverage
- Bundle with existing policies for multi-line discounts.
- Complete safety courses (motorcycle rider, boater safety).
- Choose agreed value coverage for high-value boats or RVs to avoid depreciation surprises.
Reminder: These toys bring joy, but one accident without proper coverage can turn adventure into financial disaster.