Insurance coverage specifically for boats and recreational vehicles

Insurance protection for your boat, engine, gear, and liability associated with your boat. Standard boat policies typically cover damages resulting from a collision, fire or lightning. Theft and vandalism are covered perils also, as insured losses for boats can occur on land or in the water. Many boat insurance policies provide coverage not only for the boat itself but also for machinery, fittings, auxiliary equipment such as outboard motors and boat trailers, permanently attached equipment such as anchors—up to an agreed value—and personal property. In addition, these policies often have provisions for: damage caused to someone else’s property; medical payments, for injuries to the boat owner and other passengers; bodily injury, for injuries caused to another person; and guest passenger liability, for any legal expenses incurred by someone using the boat with the owner’s permission.

Recreational Vehicle

Regardless of your motorhome or trailer type, RV insurance protects your vehicle if it’s damaged in an accident. You can also get protection for personal belongings inside your RV, as well as liability coverage on the road and when your RV is parked. Additionally, you’ll be able to choose medical payments to cover medical bills for you and your passengers if you’re in an accident, plus roadside assistance and emergency expense coverage.