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Work Hard, Play Hard, Insure Smart: Protecting Your Powersports and Recreational Vehicles

posted by TrueNorth Risk Management on Monday, May 19, 2025

The thrill of the open road on a motorcycle, the leisurely cruise around the neighborhood in a golf cart, the freedom of exploring the country in a camper or RV – these are the joys of powersports and recreational vehicles. But with great fun comes the responsibility of protecting your investments and ensuring peace of mind. Just like you work hard to enjoy these vehicles, it's crucial to work smart when it comes to insuring them. 

Cruising with confidence: Motorcycle and ATV insurance 

From an insurance perspective, many of the factors and potential savings opportunities are similar for both motorcycles and all-terrain vehicles (ATVs). Costs can vary based on several factors: 

• Your age: Insurance providers often assess risk differently across age groups. Younger riders might face higher premiums due to statistical probabilities. 
• Your driving record: A clean history on the road or trails speaks volumes. Maintaining a good driving record can positively impact your insurance rates. 
• Your location: Where you live and where your vehicle is primarily stored (your garaging address) influences rates. Secure storage in a locked garage might even qualify for a discount. 
• Vehicle specifics: The type, year, make, model, and engine size of your motorcycle or ATV are all factored in. Remember to account for any modifications or customizations. 
• Security and safety measures: Investing in security and safety features, such as theft-recovery systems and factory-installed anti-lock braking systems (ABS), can not only protect against theft but also potentially lower your insurance costs. Furthermore, completing a recognized safety course might also lead to savings. 

Teeing off with protection: Golf cart insurance 

Golf carts aren't just for the fairway anymore! Many people use them for neighborhood errands and leisurely rides. When it comes to insurance, the best approach is a policy specifically designed for your golf cart. While some homeowners insurance policies might offer limited coverage if you stick to your property, and auto insurance might provide some coverage in specific situations, a tailored golf cart policy offers broader protection. 

Roaming with security: Camper & RV insurance 

Hitting the open road in a camper or RV offers unparalleled freedom. However, insuring these homes on wheels requires careful consideration beyond just your driving record. Keep these important factors in mind when evaluating your coverage options: 

• Type and market value: From compact pop-up campers to luxurious Class A motorhomes, RVs come in all shapes and sizes, and the overall length of your RV can influence insurance rates. 
• RV usage and activities: How you use your RV significantly impacts the risk assessment. For instance, individuals who live in their RV full-time ("Full Timers") typically face higher insurance rates due to the increased mileage and constant use. 

No matter your powersports or recreational vehicle of choice, be sure to secure the right insurance coverage. It's about more than just ticking a box – it's about safeguarding your investment and ensuring you can continue to enjoy your passions with peace of mind. 

Navigating with assurance: Boat insurance 

Whether fishing or cruising, enjoying your time on the water requires protecting your boat with the proper insurance at the right price point. When looking at options, consider: 

• Boat type and value: Size, type, age and condition influence costs. 
• Usage and location: Where and how you plan to use your boat affects risk assessment. 
• Safety, storage and experience: As with other recreational vehicles, the presence of safety features and demonstrated boating experience may lead to discounts. Additionally, ensuring secure storage can also lower premiums. 

Ready to explore ways to reduce your insurance expenses without compromising the quality of your coverage? Connect with our team of specialists today. We're here to help you find the perfect fit for your needs and your budget.