Boat & RV

Boat insurance is generally needed for anything with a motor. Pirogue’s, canoes, kayaks, etc. are normally covered under a homeowners or personal property insurance policy. Be sure to confirm exactly what items are covered as there can be variations in coverages offered. Personal liability, property damage & bodily injury should be the core components of your policy for a motorized boat.

Jet Skis and other PWC (personal watercraft) are not required to be insured but it is highly recommended due to the cost of potential claims that might arise with their use. Also, completing a boater safety course can potentially lower the cost of this coverage but first confirm the course qualifies with your carrier.

Coverage for your recreational vehicle (RV) is determined by multiple factors. The value, make & model, camper van or a trailer vehicle, and any aftermarket additions are all considerations in your coverage.

Recreational coverage for RV’s is the most common as long as it is not your primary residence. However, if your RV is considered your primary residence for at least 6 months of the year, you will need Full Timer’s RV coverage. Essentially, the coverages are similar for both Recreational & Full Timer’s but with Full Timer’s coverage, you can add some coverages comparable to a home owners policy.