Coverage for ATVs, side-by-sides and boats on Smith Mountain Lake.
ATVs, UTVs, dirt bikes, golf carts, boats and personal watercraft usually fall outside your auto and home policies. Blue Ridge Insurance quotes recreational vehicle coverage for Central Virginia riders and boaters.
Your homeowners policy probably stops at the driveway.
Homeowners policies typically offer little or no coverage for motorized recreational vehicles once they leave your property, and very limited coverage for boats. A separate policy protects the vehicle itself and, more importantly, covers your liability if someone is hurt.
Recreational policies are often inexpensive, and some carriers let you suspend coverage during the off-season. We’ll compare options and look for multi-policy discounts with your auto and home.
What we insure
- ATVs, UTVs and side-by-sides
- Dirt bikes and off-road motorcycles
- Golf carts
- Boats and pontoons
- Jet skis and personal watercraft
Typical recreational vehicle coverage
Liability
Injuries and damage you cause to others while riding or boating.
Collision
Damage to your vehicle or boat from an accident.
Comprehensive
Theft, vandalism, fire and storm damage, including while stored or trailered.
Uninsured boater / rider
Protection when someone without insurance injures you.
Accessories & gear
Added equipment, electronics and safety gear, depending on the policy.
On-water towing
Assistance and towing if your boat breaks down on the water.
Start your recreational vehicle quote.
Tick Personal Insurance in the form and tell us what you ride or own. Year, make and model make it faster.
- Multi-policy discounts checked
- Seasonal and lay-up options where available
- Several carriers compared
Off-road and watercraft questions
Does my homeowners policy cover my ATV?
Is boat insurance required in Virginia?
Are my kids covered when they ride?
Ready for the trail or the lake?
Get your toys covered before the season starts.