Skip to main content

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.

Translate »