Coverage for Every Toy
What We Cover
If it's built for fun, we've got a policy for it. Here are just some of the recreational vehicles we insure.
Motorcycles
Street bikes, cruisers, and sport bikes — covered for liability, collision, and comprehensive protection.
ATVs & UTVs
Off-road machines need off-road coverage. We protect your quad, side-by-side, and UTV wherever the trail leads.
Boats & Watercraft
From fishing boats to pontoons and ski boats — on-water liability, physical damage, and more.
Jet Skis & PWC
Personal watercraft coverage for Sea-Doos, Jet Skis, and WaveRunners — on the water and in storage.
Snowmobiles
Hit the trails with confidence. Snowmobile policies cover collision, theft, and liability all season long.
Golf Carts
Whether on the course or the neighborhood, golf cart insurance protects you from unexpected accidents.
E-Bikes
Electric bike coverage for theft, damage, and liability — because your e-bike is a real investment.
Dirt Bikes
Purpose-built off-road coverage for motocross bikes and trail riders of all kinds.
The Scary Reality
Most People Assume It's Covered… It's Not
ATVs, golf carts, e-bikes, and snowmobiles often have very limited or zero coverage under homeowners — depending on where and how they're used.
Homeowners Won't Save You
Most homeowners policies exclude recreational vehicles the moment they leave your property — and even at home, liability coverage is often minimal or nonexistent for these vehicles.
Injuries Are More Severe
These aren't cars. Off-road accidents often mean higher injury risk and higher liability exposure. One incident on a trail can result in a claim far beyond what most people are prepared for.
Theft Hits Hard
ATVs, dirt bikes, and e-bikes are among the most commonly stolen recreational vehicles — and many policies either don't cover theft at all, or pay out far less than replacement cost.
What Your Policy Might Be Missing
Common Gaps People Don't Know They Have
These aren't edge cases. They're the things that blindside recreational vehicle owners every day.
No Liability Coverage
→ You injure someone on a trail or on your property — and you're personally on the hook for everything. This is the single biggest gap, and the one most people never think about.
Off-Property Exclusions
→ Many policies cover your toy at home but exclude it the moment you're on a trail, road, or park. Where you ride changes everything about your coverage.
No Accessory Coverage
→ Upgrades, mods, lifts, and custom parts? Not covered by default. If you've invested in your equipment, your policy needs to reflect that.
Actual Cash Value Only (Depreciation Hit)
→ You get paid what the insurer says it's worth — not what it costs to replace. On a 3-year-old ATV, that gap can be thousands of dollars.
No Medical Payments Coverage
→ You or a passenger gets hurt — and your policy offers minimal help. Medical payments coverage is often left off toy policies entirely.
The Part People Don't Realize
Where You Use It Changes Everything
Backyard vs trail vs road — completely different coverage scenarios. Most people don't find out until there's an accident or theft.
Where You Use It Changes Everything
Coverage that applies in your backyard may not apply on a trail, a road, or a public park. If no one asked you how and where you use your toys, your policy probably isn't built right.
Kids & Guests Create Huge Liability Exposure
Letting someone else ride your equipment can turn into a serious financial risk. If they get hurt, you could be liable — and a standard policy often won't cover it.
They Don't Find Out Until It's Too Late
Most people only discover coverage gaps after an accident or theft. By then it's locked in — whatever policy you had on that day is what you're stuck with.
The Real Differentiator
It's Not the Company.
It's How the Coverage Is Built.
A Great Agent
- ✓Asks how and where you use each toy
- ✓Builds proper liability protection
- ✓Covers accessories and real replacement value
An Average Agent
- ✗Assumes homeowners is "good enough"
- ✗Focuses on the cheapest option
- ✗Misses how you actually use your equipment
How We Protect You
Built for the Way You Play
Liability Protection
Covers bodily injury and property damage you cause while operating your recreational vehicle.
Collision & Comprehensive
Protects your toy from accidents, theft, vandalism, fire, and weather damage.
Storage & Off-Season Coverage
Your toys are covered year-round — even when they're sitting in the garage or storage unit.
Roadside & Towing
Get help when you need it most — towing and roadside assistance included with select policies.
Why Choose Adventure Club Insurance?
We know the adventure lifestyle — because we live it too.
Independent Agents
We shop multiple carriers so you get the best rate for the right coverage — not a one-size-fits-all policy.
Bundle & Save
Combine your toys with your RV, auto, or home policy for serious multi-policy discounts.
Fast Coverage
Get covered quickly with a dedicated advisor who understands recreational vehicles inside and out.