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Why You Should Invest in Recreational Insurance This Spring

After the long, dark days of winter, nothing can bring a brighter smile to your face than the thought of springtime activities like going out on your boat or using your ATV. As you’re getting ready to take advantage of the sunshine and warm weather during this season, don’t forget about taking preventive measures to safeguard yourself from potential risks. Investing in recreational insurance is one way you can suppress any worries associated with certain activities. In this article, we’ll explain why recreational insurance is an integral part of protecting yourself and your possessions and what recreational vehicle coverage includes when you choose Will Marshall Insurance Brokers.

What is Recreational Insurance?

Recreational insurance is a type of insurance that covers recreational vehicles, such as boats and ATVs. The coverage offered by this type of policy can vary depending on the specific provider and can differ in terms of liability limits, deductibles, and other features. Generally, recreational vehicle insurance offers physical damage and liability protection for your recreational vehicle or watercraft up to certain limits. Some policies may also cover items like personal belongings stored in the boat or trailer, medical payments for passengers injured while on board, and roadside assistance services.

Why is Recreational Insurance Important?

Recreational insurance is crucial because it can help protect the financial investment you’ve made in a recreational vehicle by providing coverage for the repair or replacement of the vehicle itself. It also helps cover any third-party costs or medical bills if your recreational vehicle is involved in an accident that causes injury to others.

Motorcycles, ATV’s and snowmobiles are insured on an auto insurance policy – optional accident benefits will apply and are often not offered. This is the difference between $65,000 coverage for non-catastrophic injuries vs. $1,000,000 cost on average slightly more than $100 depending on your age, driving record, postal code and insurance company.

What Does Will Marshall Insurance Brokers’ Recreational Vehicle Coverage Include?

At Will Marshall Insurance Brokers, our recreational insurance policies provide comprehensive coverage with affordable rates and customizable options. Here is a list of the types of coverage we offer:

Liability Coverage

This type of coverage helps protect you financially if someone is injured or their property damaged due to an accident caused by your recreational vehicle.

Hulls Coverage

Hull insurance is coverage for any physical damage to your boat, ATV, or another recreational vehicle.


If you have a trailer for your recreational vehicle, this coverage can help protect it if it’s damaged due to an accident or other covered peril.

ATV: All Makes and Models

Your ATV is more than just a recreational vehicle—it’s an investment. We provide coverage for all makes and models of ATVs to help protect your financial interests in the event of a covered loss.

Snowmobiles: All Makes and Models

There is nothing like getting out on the snow and experiencing a winter wonderland, and your snowmobile should be properly insured with coverage. We provide coverage for all makes and models of snowmobiles to help protect your financial interests in the event of a loss.


Owning a motorhome can be a great way to experience the outdoors, but it also comes with its own set of risks. This policy protects you in the event of any damages that occur to your motorhome or its belongings.

Loss of Use & Emergency Expenses

If you are unable to use your recreational vehicle due to a covered loss, our policy can provide coverage for alternative transportation and other expenses.

Waiver of Depreciation

If you’ve recently purchased a recreational vehicle, this coverage can help you protect your investment by providing protection against depreciation.


Investing in recreational insurance is a critical step to ensure peace of mind when enjoying activities like traveling in your motorhome and ATV riding this spring. Will Marshall Insurance Brokers can provide you with comprehensive coverage at affordable rates so you can have fun without worry. Contact us today for more information about our recreational vehicle policies!

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