Adventure Coverage
Insurance for Boats, RVs, and Off-Road Fun
From the open water to off-road trails, our insurance protects your recreational vehicles and gear. Keep the adventure going with coverage for boats, RVs, ATVs, and more.
Protection FAQs
Frequently Asked Questions About Boats, RVs, and Toys Insurance
Recreational vehicles come with unique insurance needs. Here, we answer the most common questions to help keep your fun protected.
What does recreational vehicle insurance cover?
Our insurance for boats, RVs, and off-road vehicles covers damages from accidents, theft, and liability in case someone is injured. We also offer add-ons for specific needs, like trailer coverage or extended liability protection for unique activities, so you can enjoy your adventures fully insured.
Do I need separate insurance for each vehicle?
Yes, coverage varies by vehicle type, as each comes with different risks. We offer bundled policies to cover multiple recreational vehicles, giving you one streamlined policy for all your equipment and ensuring each “toy” has the protection it needs.
Does insurance cover my boat if it’s in storage during winter?
Yes, our policies can protect your boat year-round, including while it’s stored. Winterizing coverage safeguards against risks like theft or weather damage during off-season months, so your boat is ready when the season begins again.
Can I get insurance for my ATV or snowmobile if I only use it part of the year?
Absolutely. We understand that some recreational vehicles are seasonal. Our policies offer flexible coverage that protects your ATVs, snowmobiles, and other off-road vehicles while in use and in storage, so you’re always covered.
Do I need RV insurance if my RV is only used a few times a year?
Yes, RVs should still be insured year-round to cover potential damages, liability, or storage risks. Our RV insurance is customizable, allowing you to scale coverage based on how often you use it, ensuring it’s protected and ready when you are.
Does insurance cover any modifications or accessories on my recreational vehicle?
In most cases, yes. If you’ve added accessories or custom modifications, we can help cover them with policy add-ons. From custom rims on your ATV to solar panels on your RV, our policies can be adapted to fit your unique vehicle setup.
Are trailers and towing covered?
Yes, we offer additional coverage for trailers and towing, ensuring you’re covered for damages while transporting your boat, RV, or off-road vehicles. Talk to our team to explore towing and trailer options that fit your needs.
Why choose Garry Insurancenter for recreational vehicle insurance?
With decades of experience protecting outdoor enthusiasts, we understand the unique needs of Minnesota’s adventurers. Our team provides friendly support, local insight, and tailored policies, helping you get the most out of every season without worrying about coverage.