Why It's Smart to Insure Your Recreational Vehicles, Summer Toys & Properties
- BOOM Group
- May 6
- 3 min read
Updated: May 9
From RVs and boats to cabins and ATVs, recreational assets bring joy and adventure. However, they also come with risks. Whether you're heading to the lake, exploring off-road and mountain trails, or enjoying your summer getaway, having the right insurance can help protect you from unexpected financial setbacks.
Why Insurance for Recreational Gear Is a Must
Here’s why insuring your recreational assets makes smart financial sense:
Protection from damage: Accidents, fires, vandalism, and weather can all lead to costly repairs or replacements.
Theft coverage: Items like trailers, jet skis, and seasonal homes are common targets when left unattended.
Liability protection: If someone is injured using your gear or while visiting your property, you could be held financially responsible.
Peace of mind: Focus on fun, knowing you're covered if something unexpected happens.
Is There a One-Size-Fits-All Policy?
No, there isn’t a universal policy that covers all your recreational needs. Insurance policies for these types of assets are typically customized or added on to existing home or auto insurance. You may need separate policies for:
Boats, jet skis, or personal watercraft
RVs, motorhomes, or travel trailers
ATVs, snowmobiles, or off-road vehicles
Cabins or seasonal homes
Some insurers offer bundled packages or discounts when combining coverage, but the specifics matter—so it’s important to review policy options closely.
What to Look For in a Recreation Insurance Provider
When choosing an insurance company for your seasonal assets, consider:
Experience with recreational
for providers who understand the risks involved.
Bundling options – Save money by combining with your home, auto, or travel insurance.
Flexible seasonal coverage – Not everything needs year-round protection.
Claims support – Ask how quickly and easily claims are handled, especially if you travel.
What Should Be Included in Your Policy?
Here’s what to ensure is covered, depending on the asset:
Collision & comprehensive coverage for recreational vehicles
Theft and vandalism protection
Coverage for attached or extra gear (e.g., trailers, motors, solar panels)
Personal liability coverage – If someone gets hurt or property is damaged
Emergency assistance or towing – Especially important for RVs or boats
Property damage coverage – For cabins or seasonal homes
Does My Home or Auto Insurance Already Cover This?
In most cases, standard home or auto insurance doesn’t provide full coverage for recreation-related risks:
Homeowners insurance may cover some personal items stored at home—but likely not while in use or if they're stolen from another location.
Auto insurance may not extend to trailers or RVs unless specifically added.
Always confirm what is and isn’t included with your current policies.
What About Rental Equipment?
Planning to rent gear like snorkeling sets, paddleboards, or canoes on vacation?
These are not typically covered under standard recreational policies.
You may need travel insurance with rental equipment coverage.
Rental companies often offer their own insurance – read the fine print and decide whether you need additional protection.
Final Thoughts
Your summer memories shouldn’t be clouded by unexpected accidents, losses, or liability issues. Taking time to review, compare, and customize your insurance coverage helps protect your investments and ensures peace of mind.
For BOOM Members seeking comprehensive protection for their recreational assets, BrokerLink offers a range of insurance solutions tailored to your needs.
CLICK HERE to see how BrokerLink can help you!
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