If You Love It, Insure It: Motorcycles, Boats, RVs, and More


The sale of RVs, boats, jet skis, motorcycles, and off-road vehicles began hitting record numbers in 2020, as the pandemic emphasized the demand for outdoor activity. Some dealers reported that their sales had nearly doubled from the year before, and demand for these vehicles continues to rise.

As another winter comes to an end and thoughts turn to warmer weather and outdoor recreation, take a moment to consider your insurance coverage and be sure all of your toys are adequately protected.

Rising RVs

According to Reuters, a record-setting 613,000 new RVs are expected to hit the road in 2022, and while requirements can vary by state, this means the demand for RV insurance will also increase nationwide. If you’re considering a road trip in a new RV or joining a nomadic caravan of camping enthusiasts, allow yourself some time to check with your Westwood agent to find the right coverage for your circumstances.

Standard RV insurance typically covers bodily injury liability, property damage liability, uninsured/underinsured motorists, medical payments, comprehensive, and collision. However, there are some additional coverages RV owners may benefit from, such as coverage for custom equipment on their RVs, replacement of safety glass, awning replacement, and vacation liability coverage. Some RV owners should also consider physical damage settlements and roadside assistance coverage. A full-timers package may be a vital option for policyholders who use their RV as a permanent residence.

Sailing away

Boat insurance policies can vary widely, so take some time to understand your options and potential coverage before purchasing a policy. Many policies include coverage for physical damage if your watercraft is damaged or lost in a sinking, storm, fire, theft, or collision. Often this coverage includes motors, fuel tanks, anchors, and onboard safety equipment, but you should talk to your agent to see if your boat trailer or other items would also be covered.

While liability coverage is pretty standard in a boat insurance policy, you’ll want to discuss this coverage with your agent to ensure your potential risks have been understood and covered. Other coverage such as medical payments may be available, and you may qualify for discounts if you have completed an approved safety course or lay-up discounts if you don’t use your boat year-round. Your Westwood agent will be able to help you navigate all of these options to help you find the best coverage for your needs.

Motorcycles and the open road

While requirements can vary greatly by state, having motorcycle insurance can protect you in the event of injury or property damage. Other available options include comprehensive coverage and collision insurance. The exact type of policy you need can vary depending on your bike, its value, and the type of protection.

Typically, motorcycle insurance will pay to repair or replace your bike if it is damaged or stolen. It will also often offer financial protection for injury liability, property damage, uninsured motorists, and medical expenses. Depending on the other policies you hold and your needs, other options worth considering may include carried contents and personal belongings, roadside assistance, and total loss coverage.

Motorcycle insurance can also often cover ATVs, mopeds, scooters, trikes, and motorcycles that have attached sidecars. Ask about any available discounts, such as bundling with other policies or available credits for approved safety courses. Be sure to talk with your Westwood agent to ensure you have the right coverage for your vehicles.

The demand continues

Industry experts anticipate that the demand that began in 2020 isn’t going away. Boat, RV, and other outdoor toys are expected to hit record numbers this year, despite suffering early setbacks due to supply chain shortages.

Whether you’ve owned a boat for years, are planning to travel cross country in your new RV, or are just beginning to window shop for a motorcycle, take some time to evaluate your circumstances and coverage needs. Your Westwood agent can help save you time and ensure you get the right coverage for a great price.