When you talk to every recreational owner, they love talking about the freedom, the feeling of exhilaration they enjoy while riding. The call of the open road is important and the last thing you want to worry about is whether you have the right insurance policy.

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Several carriers write motorcycle policies provides outstanding standard and optional coverage, including coverage for accessories, safety-related gear, and much more. We accept a wide variety of motorcycles, including Cruisers, Touring bikes, Sport cycles, Trike conversions, Custom cycles, Classic bikes, and more! 

The 4 coverages every motorcycle insurance policy should have

  • Liability insurance. Liability coverage protects you if you’re found at fault for an accident where another person’s property is damaged, or they are injured in the crash. …
  • Uninsured/underinsured coverage. …
  • Collision coverage. …
  • Medical payments coverage.


Most recreational vehicles do not require insurance be placed on them. But, if you take out a loan, the bank will require that you do. Boat marinas may also require that you have insurance. There are additional insurance requirements in some states for boaters that meet specific criteria; ensure that you verify boat insurance requirements with your individual state marine board or other governing body.

Your tolerance for risk may be the determining factor in whether you decide to insure your boat. As with any potentially hazardous activity, having an insurance policy can help offset the risks associated with operating a boat on the water. Typically, boats are a serious investment and can be a significant cost in the event of an unexpected repair or accident. Ensure that you are educated and aware of the risks at play before deciding either way.

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