Insuring summer fun: coverage for boats, jet skis and other recreational vehicles

Summer is here, and for many of us that means it's time to hit the water or hit the road for some well-deserved fun. Whether you're planning to cruise the lake on a boat, zip across the waves on a jet ski or explore scenic trails on an all-terrain vehicle (ATV), protecting your recreational vehicles is just as important as protecting your car or home. Let's talk about what you need to know to keep your summer fun protected.

Does your auto policy cover recreational vehicles?

Here's the straight answer: typically, no. Your standard auto insurance policy is designed to cover vehicles used primarily for transportation on public roads. Boats, jet skis, ATVs and similar recreational vehicles usually require separate coverage.

What about your homeowners policy?

Here's some good news: if you have a homeowners policy with us, you can typically add boat and watercraft coverage as an optional endorsement rather than needing a separate standalone policy. This coverage isn't automatically included, but adding it is a simple way to get protection that you may not realize is available. For example:

• Boats and watercraft can be added to your homeowners policy as an optional endorsement.
• Personal watercraft like jet skis can also be included.
• ATVs and off-road vehicles typically require separate coverage.

The bottom line? Talk to your agent to make sure your coverages and coverage limits reflect the full value of your recreational vehicles. If you carry renters insurance instead of a homeowners policy, coverage for recreational vehicles may be more limited, so it's worth a conversation to understand what protection you have.

Why the right coverage matters

Think about it this way: just like you wouldn't expect your home insurance to fully cover your car, it's important to understand exactly what protection you have for each type of recreational vehicle. Here's what the right coverage can address:

1. Protection on the water

Your homeowners policy can help protect your boat or watercraft against:

• Damage from weather and water conditions
• Collision with other watercraft or objects
• Theft while docked or in storage
• Liability if you cause injury or property damage while operating

2. Coverage for off-road adventures

ATVs, dirt bikes and other off-road vehicles need coverage that accounts for:

• The increased risk of accidents on rough terrain
• Damage during transportation to and from trails
• Liability coverage for accidents that may occur off your property

3. Peace of mind

With the right coverage, you can focus on making memories instead of worrying about what-ifs.

Smart summer safety tips

While we're talking about insurance, let's also talk about safety. The best claim is the one you never have to file. Here are some practical tips:

For boating and jet skiing:

• Always wear a life jacket.
• Take a boating safety course.
• Check weather conditions before heading out.
• Never operate under the influence.
• Keep safety equipment on board and in good condition.
  

For ATVs and off-road vehicles:

• Wear proper safety gear, including a helmet.
• Know and follow local trail regulations.
• Never carry passengers unless the vehicle is designed for it.
• Avoid riding on paved roads unless it's legal and safe.
• Take a safety training course.

Ready to Protect Your Summer?

Our agents are here to have honest conversations about all your coverage needs, including your recreational vehicles.

Have questions about recreational vehicle insurance or need help with a claim? Contact our support team. We're here to help.

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Coverages subject to policy terms, conditions, and exclusions. Subject to underwriting review and approval.