Recreational vehicle and watercraft insurance

What are recreational lines?

Recreational lines (sometimes called off-road insurance or ATV insurance) include four general categories of vehicles and watercraft: ATV or UTV, RV, boat, and motorcycle. Within each of these categories include a wide range of specific vehicles such as motor homes, conventional trailers, pop-up campers, powerboats, bass and fishing boats, snowmobiles, golf carts, off-road, and sports bikes – just to name a few.

By land or sea, off-road and recreational vehicles can tackle all different types of terrain. With these capabilities, plus tailored recreational lines insurance, you’ll be ready for any adventure!

What kind of insurance do I need for a recreational vehicle or watercraft?

You might think that your recreational vehicles are already covered under your homeowners insurance policy, but this isn’t the case. Homeowner’s insurance only takes care of accidents and theft that occur on your property, not incidents involving your recreational lines. To protect your camper, boat, dirt bike, or other recreational vehicle, you’ll need recreational lines insurance.

Elephant offers recreational lines insurance that can keep up with your active lifestyle, and is backed by our partner and industry leader, Progressive Insurance. Have peace of mind and the freedom to explore with coverages that include:

• Comprehensive
• Collision
• Medical expense
• Personal injury protection
• And much more!

Typical risks of recreational vehicles

Recreational vehicles are meant for adventure, and adventure can mean risk. Some of the common risks that come with recreational vehicles include:

• Wrecks. If you crash your boat, either into another boat or a stationary object, collision coverage can help recover the repair costs.
• Collisions you cause. If you cause a crash with another vehicle, even something as simple as a fender-bender, you’ll want to have our liability coverage in your back pocket.
• Theft. If someone steals your snowmobile, comprehensive coverage has got your back. This type of coverage insures your recreational vehicle against theft, vandalism, damage from fire or hail – essentially, anything other than an accident.
• An uninsured driver goes off the rails. If a fellow off roader damages your vehicle and doesn’t have any insurance, uninsured motorist coverage can help pay for your repairs.
• Injuries. Accidents happen. If one happens to you and you’re left injured, medical payments coverage can save you from surprise medical expenses.

Why is recreational lines insurance so important?

If the reasons above don’t have you convinced, you should know – depending on where you live, you might be legally required to carry proof of liability insurance for your recreational vehicle or boat.

What’s more, any high-adrenaline or sporting activity comes with risks! We don’t want to be fearmongers, but life-altering injuries can and do occur. Even if recreational lines insurance isn’t required where you live, we’d say it’s better to be safe than sorry – protect yourself, your recreational vehicle, and your wallet.

Get a quote for recreational lines insurance

Insuring your recreational vehicle or boat with Elephant through our partnership with Progressive is easy – we make sure you’re well-informed and confident in your coverage.

Get a quote today!