Watercraft & Recreational Vehicle Insurance

Whether you are cruising the open roads or cruising the open waters, make sure your recreational vehicle or vessel is covered with the right recreational vehicle insurance policy. Insure your RV, camper, motorhome, ATV, golf cart, boat, or watercraft.

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Helpful Tip:

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Your RV is not properly protected by the same type of insurance that covers your personal vehicle or home.

Get a Quote For Your Home on the Road

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Protection For Your Water Adventures

Accidents happen – even on the water.

A customized boat insurance policy covers your boat or personal watercraft, as well as its motor against potential loss due to vandalism, collision with another boat or object, theft, or damage caused by uninsured or underinsured boaters.

Perhaps you hit another boat, person, dock, buoy, or something else – we have a wide variety of coverage options to help keep you afloat.

Types of boats insured:

Powerboats
Pontoon boats
Sailboats
Bass or fishing boats
Yachts
Personal watercraft (PWC)
- WaveRunner®
- JET SKI®
- Sea-Doo®

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Watercraft

F.A.Q

If you own—or are thinking of owning—a boat or vessel, find out about the kind of policy you need.

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The type of watercraft coverage you buy is dictated by the size of your vessel.

Does homeowner insurance cover boats & watercrafts?

Homeowner insurance policies provide very limited coverage for your boat or personal watercraft. Most policies only reimburse up to $1,000 worth of coverage if your boat or PWC is damaged by any of the following:

Fire
Wind
Explosions
Hail
Theft
Vandalism
Falling objects (e.g., trees/limbs)

What is the average cost for boat insurance?

According to TrustedChoice the average cost for boaters insurance typically ranges from $200 to $500 per year.

Multiple variables go into determining how much your boat insurance will cost, including:

Boat year, make, model, engine size, & inboard v. outboard motor
Your motor vehicle driving history
Your boating experience
Your location
Your age & gender
Usage of the vessel
Storage location
Safety measures

Ask your SouthPoint Risk agent about insurance discounts that you might be eligible for. You may receive a discount for insuring multiple boats or bundling your watercraft policy with other policies.

What does boat insurance cover?

A typical boat insurance policy may include the following coverages:

Bodily injury liability coverage
Property damage liability
Uninsured/underinsured watercraft coverage
Personal effects coverage
Emergency assistance & towing

Coverage needs will vary from person to person. Depending on your specific needs you may want to add more protection to your boat insurance policy, such as:

Fuel spill coverage
Trailer or boat lift coverage
Hull

Reliable Camper and RV Insurance

Your RV is your home away from home, and it represents a significant investment that you’ll want to protect with the right insurance that fits your unique needs.

Should an accident happen – such as property damage, vandalism, or bodily injury as a result of a crash – it’s reassuring to know that your investment is protected.

Types of RVs insured:

RVs (recreational vehicles)
Motorhomes (Class A, B, & C)
Pop-up camper, camper vans, or slide-on camper
Travel trailers, bumper pull, or fifth-wheel trailer

Explore new places with confidence knowing that you, your vehicle, your passengers, and your belongings are protected.

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Recreational Vehicle F.A.Q

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If you store your RV in a shed or detached garage, it may fall under the “additional structures” portion of your homeowners’ insurance.

Why your recreational vehicle deserves its own RV policy

Most are unaware that their RV is not fully covered by a standard auto policy. To ensure you and your recreational vehicle are best protected, a standalone RV policy should be considered to avoid any coverage gaps.

Some benefits of an RV policy are increased personal property coverage, pet injury coverage, and agreed-value coverage. These policies also include their own bodily injury and property damage limits should an accident occur while the RV is in use or being driven/towed. With these factors in mind, contact us to get a quote on your RV today.

How much does recreational vehicle insurance cost?

There are several key factors that will determine the cost it will take to insure your RV, such as:

Recreational vehicle type, year, make, & model
Policy details (types of coverage, limits, & deductibles)
Your driving history
Vehicle usage (seasonal v. full-time resident)

Ask your SouthPoint Risk agent about insurance discounts that you might be eligible for. You may receive a discount for insuring multiple vehicles or bundling your RV policy with other policies.

What’s the difference between recreational and full-time RV insurance?

Recreational insurance is ideal if you do not live in your RV full time. It will protect your RV inside, out, and while on the open road.

If your motorhome or travel trailer is your primary residence, then you’ll want to get full-time RV insurance. It’s similar to a recreational insurance policy but you’re able to add on additional coverage such as personal liability and loss assessment that covers RV association fees to help pay for damages to shared areas. 

What’s the difference between motorhome and travel trailer insurance?

Motorhomes are a trailer with an engine that can be driven. There are three different classifications (A, B, and C) based on the size of the motorhome.

A travel trailer does not have an engine and must be pulled by another vehicle. Both insurance policies help protect different types of recreational vehicles.

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It’s important to note that not all home insurers cover RVs. Some homeowners’ policies specifically exclude recreational vehicles. Check with your agent to make sure you’re fully covered.