Recreational insurance
Recreational Vehicles
Boats, campers and RVs, side-by-sides, snowmobiles, motorcycles, and collector cars.
Toys are usually the last thing added to a policy and the first place a gap shows up. A side-by-side on the acreage, a boat on Detroit Lakes, and a camper parked six months of the year each carry different exposures.
Collector and classic vehicles are a separate conversation entirely, because agreed value and stated value are not the same promise.
The checklist
What gets confirmed on a recreational policy
Agreed value on collector vehicles
Agreed value pays the number on the policy. Actual cash value pays what an adjuster decides it was worth.
Liability that follows the machine
Off-road liability is frequently assumed and frequently absent.
Trailer coverage
The trailer is a separate item from the thing on top of it.
Seasonal storage and layup
Some carriers reduce premium during storage months. Some quietly reduce coverage too.
Campers used as temporary residence
Extended stays can change how the policy responds.
Common questions
Recreational questions we get asked
Is my boat or camper covered under my homeowners policy?
Usually only in a very limited way, and often only while in storage on your property. Anything on the water or on the road generally needs its own policy.
Do you write collector cars?
Yes, through specialty markets including Hagerty and American Collectors, which are built for agreed-value coverage on classics.