Boats, RVs, ATVs, snowmobiles, and trailers are a big part of life in Idaho, and they're often worth thousands of dollars. Many people assume their home or auto policy covers them, but that coverage is often limited or doesn't apply.
I'll help you find out what you already have, what's missing, and what it would take to protect your toys, and your liability, properly. Coverage availability depends on the product and the company, so we'll go through your options.
From fishing boats to jet skis, ask whether your boat, motor, and trailer are covered and what liability protection applies on the water.
Motorhomes and travel trailers can be both a vehicle and a home away from home. Ask how they're covered on the road and when parked.
Off-road vehicles face rough use and carry real liability. Ask about both damage to the vehicle and injury claims.
Winter recreation needs its own look. Ask what's covered while riding, storing, and trailering.
Utility, horse, and toy-hauler trailers may have limited coverage under a truck policy. Let's check yours.
Coverage for riders, with options to fit how and where you ride.
Usually only in a limited way, such as for smaller boats or outboard motors, and often not for liability on the water. Larger boats typically need their own policy. Ask me about yours.
Often your liability coverage extends to a trailer while it's being towed, but damage to the trailer itself and what's inside typically isn't covered. Let me check your policy.
Liability risk exists wherever you ride, including on your own property, and visitors can be hurt. It's worth reviewing your coverage.
I can help you figure out what coverage is available for your boat, RV, ATV, snowmobile, trailers, and motorcycle. Availability depends on the product and company, so send me what you have and I'll tell you what's possible.
I serve families, farms, and businesses across South Idaho, including these communities:
This page is general information, not a coverage offer or advice. Coverage, discounts, and eligibility vary and are subject to underwriting and the terms of your policy.
