When the weather warms up, boats hit the water, motorcycles return to the road and ATVs head for the trails.

Before you start your next adventure, it is important to make sure your summer toys are properly insured. Many people assume their homeowners policy covers everything in the garage. In reality, coverage for recreational vehicles is often limited or excluded once they leave your property.

Here is what to review.

Boat Insurance

Boat coverage goes beyond physical damage. A policy can include:

• Liability coverage if someone is injured, or you damage another vessel
• Medical payments for passengers
• Theft and vandalism protection
• Uninsured boater coverage

Liability is especially important if you regularly host friends or family on the water.

Motorcycle Insurance

Motorcycles require their own policy and carry unique risks. Coverage may include:

• Liability
• Collision and comprehensive
• Medical payments
• Uninsured and underinsured motorist coverage
• Protection for custom parts and upgrades

If you have added accessories or performance upgrades, make sure they are listed on your policy.

ATVs and Off Road Vehicles

ATVs and UTVs create liability exposure whether they are used on your property or off site. A dedicated policy can provide:

• Liability coverage
• Physical damage protection
• Theft coverage
• Protection while transporting the vehicle
• Many homeowners policies do not cover off property use.
• Consider an Umbrella Policy

If you own multiple recreational vehicles or have significant assets, an umbrella policy can provide additional liability protection above your base policies.

Before You Head Out

Ask yourself:

• Is each vehicle listed on a policy?
• Are your limits high enough?
• Have you added any new purchases or upgrades?
• A quick coverage review can help you enjoy the season with confidence.

If you recently purchased a boat, motorcycle or ATV, or simply want to double-check your coverage, contact our office. We are happy to help you get ready for summer!