A Guide for Insuring Your New Boat, ATV, or Camper

If you recently bought a new “toy” for the whole family to enjoy, getting the right insurance is crucial.

Whether you’re casting a line from your new fishing boat, kicking up dirt on an ATV, or hitting-the-road in a camper, protect your high-octane property with this helpful guide on insuring specialty assets:

Boats and personal watercrafts

• Eligibility: Watercraft must have a max speed of 65 mph and be in good operating condition. Other limitations (like length and estimated value) vary from state to state.
• Coverage: Watercraft insured in all U.S. and Canadian waterways of plus 75 miles offshore. Coverage includes fuel spill liability and wreckage removal.
• Optional coverage:Agreed value coverage, unattached equipment coverage (tarps, oars, life jackets, water skis), personal property coverage, pet coverage, fishing equipment coverage, and emergency assistance.

Motorcycles and all-terrain vehicles

• Eligibility: Motorcycles, scooters, mopeds, dirt bikes, ATVs, side-by-sides, snowmobiles, golf carts, and e-bikes.
• Coverage: Safety apparel coverage (up to $1,000). Add physical damage coverage to get custom parts coverage and roadside assistance.

Recreational vehicles (RVs)

• Eligibility: Class A, B, and C motorhomes, bus conversions, toter homes, trailers, pop-up campers, and pull-behind fifth wheels.
• Coverage: Offers the same coverage options as auto insurance, including liability, personal injury protection, medical payments, uninsured and underinsured motorist protection, and comprehensive and collision.
• Optional coverage: Vacation liability coverage, personal property coverage, customized equipment coverage, and emergency assistance.

If you’re thinking about purchasing a boat, ATV, or RV, give us a call so you can enjoy your new toy with confidence and peace of mind.