Everything with a motor, a hull, or a hitch.
Recreational vehicles are where coverage gaps hide, because most people assume their auto or home policy handles more than it does. It usually does not. We insure the whole fleet through carriers that specialize in it, and we tell you which policy is actually responding when something goes wrong.
Boats
From fishing boats to cruisers. The decisions that matter: agreed value versus actual cash value on the hull, liability that covers passengers and fuel spills, and whether your policy follows the boat onto the trailer and down the highway. Marina and storage requirements often set minimums; we make sure the policy satisfies them without paying for coverage the boat never uses. Boat insurance 101 here.
RVs and motorhomes
The single most important question is how you use it. A weekend rig and a full-time home on wheels are priced completely differently, and full-timers need liability that behaves like a homeowners policy, because it is one. Get this wrong and a claim can be denied for a use the carrier never agreed to. We wrote about the difference.
Travel trailers
Three different coverage situations in one purchase: hitched (your tow vehicle’s liability extends, but not damage to the trailer), parked and occupied (campground liability), and stored (theft and weather). A dedicated trailer policy closes all three for less than most people expect. Details here.
Motorcycles
Bikes carry the same liability questions as cars plus two of their own: gear coverage, and lay-up periods for seasonal riders so you are not paying July rates in January. Custom parts and accessories need to be scheduled, or the chrome comes back stock. Seasonal riders, read this.
Golf carts
The homeowners policy usually stops at your property line, and the golf course, the cart path, and the street are all past it. Street-legal carts in planned communities need real liability coverage, and it costs less than most people’s coffee budget. Golf cart coverage, explained.
ATVs and off-road
The gap nobody sees until the trailhead: most auto policies exclude off-road vehicles entirely, and homeowners liability often stops the moment the ATV leaves your land. A standalone policy covers the machine, the riders, and the people they could hurt. The full picture here.
The umbrella tie-in
The pattern across all of these is the same: liability that follows the toy, not the driveway it is parked in. An umbrella policy often covers the whole fleet for less than raising each policy’s limits separately, and it is usually the first thing we check when a household owns more than one of the vehicles on this page. How umbrellas cover the toys.
Who we quote
Progressive, Foremost, National General, Hagerty, Ahoy, Safeco, and more. See every carrier we work with.