1. ATVs, Side-by-Sides (UTVs), Dirt Bikes & Snowmobiles
Covers off-road trail collision, rollovers, tree/rock strikes, fire, theft from your trailer or camp, and trail liability required on public state and federal lands. We also include coverage for your transport trailer and riding safety gear (helmets, avalanche beacons, and jackets).
Real-world example: If your Polaris RZR or Ski-Doo hits a submerged rock or stump on a mountain trail and bends the frame and A-arms, Off-Road Collision pays for the repair.
2. Motorhomes, Fifth-Wheels, Travel Trailers & Truck Campers
Specialty RV policies cover both motorized Class A/B/C coaches and towable fifth-wheels or travel trailers — including Total Loss Replacement/Agreed Value, roof/awning damage, slide-out mechanisms, Vacation Liability while parked at a campsite, and Full-Timer packages if you live in your rig.
Real-world example: If a sudden desert windstorm tears the patio awning off your fifth-wheel and damages the sidewall, RV Comprehensive and Awning coverage pays to restore it.
3. Boats, Pontoons, Jet Skis (PWCs) & Fishing Rigs
Watercraft policies protect your hull, outboard/inboard motors, boat trailer, and onboard electronics/downriggers against underwater log or rock strikes, storms, sinking, and theft — plus Watercraft Liability, Watersports/Tuber Liability, Fuel Spill, and On-Water Towing.
Real-world example: If your boat strikes a submerged log on the Columbia River or Lake Chelan and destroys the lower unit and prop, Marine Physical Damage and On-Water Towing cover the tow and repair.
4. Motorcycles, Cruisers, Dual-Sports & Trikes
From Harley cruisers and BMW adventure bikes to dual-sports, dedicated motorcycle policies include Bodily Injury/Property Damage Liability, Uninsured/Underinsured Motorist (critical for riders), Collision/Comprehensive, and Trip Interruption if a mechanical breakdown or crash strands you far from home.
Real-world example: If an inattentive driver pulls out in front of your motorcycle on a summer highway ride, Uninsured/Underinsured Motorist and Medical Payments protect you and your bike.
5. Aftermarket Parts, Winches, Racks, Wraps & Custom Accessories
Stock factory value rarely reflects what you actually have invested in a side-by-side, sled, motorcycle, or boat. Most specialty policies include $3,000 in accessory coverage automatically, and we can schedule $10,000 to $30,000+ for turbo kits, tracks, light bars, stereo towers, and custom cab enclosures.
Real-world example: When your UTV has $9,000 in aftermarket doors, winch, heater, and snow tracks installed, Custom Parts & Equipment coverage ensures those upgrades are replaced after a total loss.
6. Emergency Trail/Roadside Towing & Personal Contents Inside Your Rig
Getting a disabled RV, boat trailer, or motorcycle towed off a remote highway pass costs far more than a standard passenger car tow. Specialty policies include heavy-duty RV/trailer roadside dispatch and replacement coverage for camping gear, fishing tackle, and optics stored inside.
Real-world example: If a wheel bearing seizes on your boat or horse/toy trailer 60 miles from town on a Sunday, Specialized Trailer Roadside dispatches a flatbed equipped to haul both the trailer and tow vehicle.
