What Is Motorcycle, ATV, and Boat Insurance?

Motorcycle, ATV, and boat insurance—often called recreational or “toy” insurance—helps protect you financially when you’re enjoying your favorite vehicles on the road, trail, or water. These policies are designed to cover physical damage, liability, and certain medical costs if an accident, theft, or unexpected event occurs.

Whether you ride occasionally or use your toys year-round, having the right coverage helps protect both your investment and your peace of mind.

Why Recreational Insurance Is Important

Recreational vehicles can be expensive to repair or replace, and accidents can lead to costly liability claims. Insurance helps protect your finances if you’re responsible for injury or property damage to others.

Coverage may also be required depending on how and where you use your vehicle. Some states require insurance for motorcycles, lenders may require coverage if the vehicle is financed, and marinas, campgrounds, or parks may require proof of insurance before allowing access.

What Does Recreational Insurance Cover?

Recreational insurance policies are made up of several key coverages that work together to protect you in different situations.

Liability Coverage

This covers bodily injury or property damage you cause to others while operating your motorcycle, ATV, or boat.
Example: You accidentally damage another boat at the dock or cause an accident involving another rider.

Collision Coverage

This helps pay for damage to your vehicle if it’s involved in a collision.
Example: Your motorcycle is damaged after hitting another vehicle or object.

Comprehensive Coverage

This covers damage caused by events other than collisions.
Example: Theft, fire, vandalism, storm damage, or a tree falling on your boat or ATV.

Uninsured / Underinsured Motorist Coverage

This protects you if you’re involved in an accident caused by someone who doesn’t have enough insurance.
Example: Another boater causes an accident but lacks sufficient coverage to pay for your injuries or repairs.

Medical Payments Coverage

This helps cover medical expenses for you and your passengers, regardless of fault.
Example: Medical treatment needed after a riding or boating accident.

Accessory and Equipment Coverage

This covers custom parts, upgrades, and added equipment.
Example: Custom exhausts, saddlebags, electronics, trailers, or fishing equipment.

Total Loss Replacement (Where Available)

This helps replace your vehicle with a new one if it’s totaled under specific conditions.
Example: A newer motorcycle or boat is declared a total loss after a covered claim.

Choosing the Right Coverage for Your Toys

Every rider and boater is different. The right coverage depends on how often you use your vehicle, where it’s stored, and its value. An experienced agent can help you choose coverage that protects your toys without paying for more than you need.

Ready to protect your ride or have questions?
We’re here to help you understand your options and enjoy the road, trail, or water with confidence.