The Gordon Insurance Blog

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

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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.

Customer Reviews:

Jack Kruse
Jack Kruse
21:18 01 Jul 21
Always helpful, makes sure our needs are taken care of and excellent follow-up.
Flavian DeCollo
Flavian DeCollo
19:02 29 Jun 21
Can’t beat personal service, honest people a lot of help and a good prices
Jeff Clancy
Jeff Clancy
11:26 28 Jun 21
Have always taken great care of me and my family for years.
Richard Green
Richard Green
17:24 25 Jun 21
The staff at Gordon Insurance is responsive, professional and friendly. My questions are always quickly addressed as have been my claims.
Pat Johnson
Pat Johnson
14:02 24 Jun 21
Working with Ken Badger and his team has been a great experience. Thank you.
Ben Allen
Ben Allen
17:13 23 Jun 21
Ken has been wonderful to work with (over many years) and very response and professional. Rates are competitive, and customer service is top-notch. Highly recommend!
Bryan Darling
Bryan Darling
01:23 22 Jun 21
Anytime we have had an issue, we have always had prompt service. I would highly recommend Gordon Insurance Agency
Kevin Sears
Kevin Sears
01:46 21 Jun 21
As a relatively new homeowner, Ken Badger and the team at Gordon Insurance has been nothing but exceptional in handling our insurance needs and questions. Most recently, the Gordon Insurance team made our experience getting a new roof due to hail damage, an absolute breeze. We fully recommend Gordon Insurance.
Boguslaw Uchman
Boguslaw Uchman
17:30 20 Jun 21
100% satisfaction. Don't look any further go to Gordon Insurance.
Mike Martin
Mike Martin
13:59 20 Jun 21
Always very helpful and responsive to our questions.
Vivian Batchelder
Vivian Batchelder
16:47 19 Jun 21
Ken and Dana do an excellent job of providing professional and helpful service. I am retired and appreciate having a local agent looking out for my best interests!
Margaret Bredekamp
Margaret Bredekamp
13:14 19 Jun 21
Ken and Dana are so great at providing you info to make good decisions about your insurance needs.Always there to answer any questions you have. Because we were new to the area, he had great references to offer for other services, Thanks Ken and Dana.Dave and Marge B
Tamara Cox
Tamara Cox
13:48 18 Jun 21
We’ve used this company for 20+ years. They have always gone above and beyond our expectations. They accommodate, recommend, and help in any way an agent can and even as a friend. I appreciate the personable commitment they represent in our local community. I highly recommend this company.
Angelo Favia
Angelo Favia
13:01 18 Jun 21
Great working with Gordon Insurance. Always responsive, pro-active and trustworthy.Highly recommended.
Philip Dils
Philip Dils
09:39 18 Jun 21
When have a specific question on a policy or a concept behind a policy or general insurance question, response always good and timely.
Rick Foley
Rick Foley
02:56 18 Jun 21
Gordon Insurance is all you want with an insurance agent.Bottom line: They are for your best interest!
Darren Ratcliffe
Darren Ratcliffe
00:01 18 Jun 21
The Gordon Agency is a first class operation. We have a wide portfolio of commercial and residential real estate and have all our coverage here. The service and rates are so great we have also added personal home, auto, and life insurance. Thanks to all of you for all you do for us…
Mike Leiter
Mike Leiter
20:22 17 Jun 21
Ken and Dana are always on top of any questions that we have and I know I can trust them with all my insurance needs
Jason Landwerlen
Jason Landwerlen
19:41 17 Jun 21
Great experience. Very helpful and got us the insurance we needed.
bruce Ackerman
bruce Ackerman
18:31 17 Jun 21
Great agency. They respond quickly to issues. Always polite and professional and have helped us through several crises. Highly recommend
Steven Juanillo
Steven Juanillo
18:22 17 Jun 21
We have been customers of Gordon Insurance for many years. Ken and Dana have always looked out for the best interests of our family. They are upfront, honest, operate with high integrity, and are truly good people. If they don't have competitive rates for certain types of insurances (business or personal), they will tell you who would and why. IMHO, there is no group better.
Kendrick Vester
Kendrick Vester
18:01 17 Jun 21
Seriously, this business makes me feel like family! Highly recommended!
Bob Smith
Bob Smith
17:53 17 Jun 21
Because of proactive advice received from Ken Badger, my business was saved after burning to the ground. You'd be wise to put him on your team.
Randy Badger
Randy Badger
17:50 17 Jun 21
They are quick to respond to any of my concerns. Just this week they called to remind me of the expiration date on my home owners policy. I had no idea it was about to expire and they made sure that it remained active. I like an insurance company that looks out for my welfare. Thanks for doing a great job!
Shrinivas Mane
Shrinivas Mane
17:28 17 Jun 21
You never really know how good an agent someone is until you actually are in an emergency situation. We were in such an unfortunate situation on one Sunday evening and Ken was really helpful in navigating through the emergency and subsequent claims process. All I can say is that he earned a lifetime customer. Thank you Ken!
Lisa Gemmer
Lisa Gemmer
16:31 17 Jun 21
Gordan Insurance - Ken & Dana are the ultimate dynamic duo. Top shelf in all areas- responsiveness, honesty and always looking out for our family's best interest. We have been with them for 20 + years and highly recommend for all home & car insurance needs. Wish I could give them more than 5 Stars!
sarah oneillbailey
sarah oneillbailey
16:27 17 Jun 21
Ken and his staff have worked hard to get us the best rates over the past 10 years! Always helpful and kind!
Cody Z
Cody Z
16:00 17 Jun 21
Excellent Insurance agency
Madz C
Madz C
15:51 17 Jun 21
Ken Badger and his staff are Spectacular. Seriously awesome. I once got badly rear ended and Ken offered to give me a ride home from the hospital! He is over and above kind and his staff is at the same level. HIGHLY recommend them.
Dave Philpott
Dave Philpott
15:40 17 Jun 21
Ken Badger, Dana Lipps, and the entire office at Harbour House Insurance (located in Noblesville, Indiana) are fantastic. I have not changed my car or home insurance for 25 years, but after Ken did a rate comparison on my auto and homeowners - I found I got much better coverage for less money. The company they partnered me with was "SafeCo", an industry icon, so I feel the change does not bring any risk. I don't every want to have to use my insurance, but it's nice to know I am more solidly covered now. My only regret is that I wished I had shopped around sooner. Give them a call. If Ken can't help you, he'll tell you right away.
Jackie Byrd
Jackie Byrd
15:17 17 Jun 21
Customer for well over 20 years. Always kind, professional and very responsive to my insurance needs. Ken, Dana, Lisa, all just great people.
Frank Gordon
Frank Gordon
15:17 17 Jun 21
Awesome people! They are there when you need them! Which is all we really want!
Betty Titus
Betty Titus
14:37 17 Jun 21
Always available to answer my questions quickly.
Kami Propst
Kami Propst
16:40 30 Apr 21
The staff at Gordon Insurance are incredibly helpful and responsive. They walked me through every step of my claims process and followed-up to be sure I was satisfied with the service I had received. Excellent customer service all the way around and very knowledgeable!
Steven Penski
Steven Penski
20:17 30 Mar 21
Since first being referred to Ken and his agency team (Kim & Dana), we have been nothing but impressed and happy with their overall care & customer service. We were looking to get back to having a face to face relationship, (with someone who lives in our own community), handle our home & auto insurance needs, and we couldn’t be more pleased.Thanks, Ken, Kim, & Dana!
Kym Flannery
Kym Flannery
20:07 28 Sep 20
These folks are my "go-to" team for insuring all my stuff (and as George Carlin would tell you, we've all got stuff). No matter if you're in an active claims situation or shopping for coverage for the first time, Ken and Dana will take care of you better than anyone I've ever known!
Roger Poer
Roger Poer
20:12 11 Jun 20
Excellent advice. Customer service is superb, without regard to placing business at their agency.
Donna Wix
Donna Wix
23:44 22 May 20
Very helpful with my claim. Suggest a roofer who did an awesome job. I would recommend anyone to them. Ken is amazing.
Caleb B.
Caleb B.
10:47 09 May 20
Ken, Dana, and Tara are phenomenal. They have always answered questions for me within hours if not minutes. They are personable, thourough, and have great integrity. They actually make insurance fun. When I needed commercial liability coverage in 24 hours, they got it done without batting an eye. When I wanted to change my auto insurance from full coverage to liability only, they didn't try to talk me out of it, though I'm sure it cost them a little. When we had to make a claim, they checked in with me every step of the way. Highly recommend them to anyone and everyone!
Scott Springer
Scott Springer
13:16 30 Apr 20
Ken Badger is fantastic! He is always very attentive and follows up throughout any claim process. We have had two big claims, our basement flooded and our vehicle totaled and Ken absolutely exceeded all expectations that me and my wife had. Highly recommend!
Steve Zell
Steve Zell
17:16 27 Feb 20
Great company. In particular, appreciated meeting agent Ken Badger who quoted me auto, home, and umbrella insurance costs & coverages. He provided me a thorough review of my current situation and responded back to me in a day time period. Enjoyed talking with Ken. Extremely knowledgeable, no pressure, and just great to work with. Great customer service all the way. Nice to have a local independent agent like Ken right around the corner from my home.
PAT GRAY
PAT GRAY
15:57 03 Sep 19
Ken and Dana are Awesome to work with!They saved me over $2000 on my auto insurance alone.Very easy to talk to and they explain things so that you can understand them too!
Roger Conrad
Roger Conrad
22:05 23 Aug 19
Best Insurance agent around. You don't get personal service like this anywhere else!!
Nate Thornton
Nate Thornton
14:10 22 Jul 19
I have been a customer with Harbour House for many years. I am a contractor, so sometimes I need Insurance certificates FAST. That is exactly what Ken and His team do. Plus Ken is easy to talk to, and will go to bat for YOU if need be. Give them a try.
Jacob Doll
Jacob Doll
19:03 05 Apr 19
Ken's Safeco Insurance Road Service did me a big favor yesterday. Had to change a flat and couldn't get the lug nuts off. Called for a service truck to come by and remove the nuts and change tire. They did it in 45 minutes! Saved my back! Whenever I have a question or a need, Ken's office staff are quick to react...great people.
Joe Robbins
Joe Robbins
17:51 27 Feb 19
Staff super helpful and care about their customers! Highly recommend!
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