Personal · Boats, RVs & Motorcycles · WA · ID · OR · AZ
For owners of boats and personal watercraft, motorcycles and off-road vehicles, travel trailers, campers and motorhomes. Each is usually insured on its own policy or endorsement, because home and auto policies cover them only in limited ways, if at all.
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What to review
A homeowners policy may cover a small boat with low limits and narrow conditions. An auto policy generally doesn't cover a motorcycle or an off-road vehicle. A trailer you tow may get some liability coverage from your auto policy, but not coverage for damage to the trailer itself.
A watercraft policy can cover the hull, motor and equipment, liability on the water and, depending on the policy, towing, fuel spills and medical payments.
Motorcycles usually need their own policy, with liability and optional physical damage. Off-road vehicles such as ATVs and dirt bikes may go on a recreational vehicle policy or an endorsement.
Motorhomes are insured much like vehicles, with liability and physical damage. Travel trailers and fifth wheels need physical damage coverage for the trailer itself.
Some policies let you reduce coverage during storage months, and some require specific storage arrangements.
A travel trailer in winter storage is damaged when a storm drops a tree on it. Comprehensive physical damage coverage on the trailer can respond, subject to the deductible; your auto policy alone wouldn't cover damage to the trailer itself. A real claim depends on the facts and the policy.
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