Recreational Products
Adventure Without Worry: Local Protection for Your Recreational Vehicles
Whether you’re riding through the forests of Minnesota, exploring lakes in Wisconsin, or adventuring across Arizona’s deserts and waterways, your recreational vehicles deserve reliable protection. Our Recreational Products Insurance provides specialized coverage for motorcycles, boats, RVs, ATVs, snowmobiles, personal watercraft, and more — tailored to the unique risks of MN, WI & AZ.
From harsh Midwest winters to Arizona monsoons, we help safeguard your investment with flexible, customizable policies built for your lifestyle.
What Recreational Products Do We Cover?
We offer tailored insurance solutions for a wide range of recreational vehicles used across Minnesota, Wisconsin, and Arizona:
- Motorcycles & Bikes — Coverage for cruisers, touring bikes, sport bikes, custom builds, classics, and safety apparel.
- Boats & Personal Watercraft — Ideal for MN/WI lake boating and AZ reservoirs; covers boats up to 50 feet, Jet Skis®, Sea‑Doos®, WaveRunners®, and more.
- Motor Homes & RVs — Protection for RV travel across the Midwest and Southwest.
- Travel Trailers & Fifth Wheels — Coverage for seasonal, vacation, or full‑time use.
- Off‑Road Vehicles — ATVs, UTVs, dirt bikes, snowmobiles (popular in MN/WI), dune buggies, and golf carts.
Comprehensive Coverage Options
Our recreational vehicle policies typically include:
- Liability Protection — Covers injuries or property damage you cause to others. Required in most states for motorcycles and on‑road vehicles.
- Collision Coverage — Pays for damage after an accident with another vehicle or object.
- Comprehensive Coverage — Protects against theft, vandalism, fire, hail, wind, animals, and falling objects.
- MN & WI: Strong protection for hail, ice, and winter‑related damage
- AZ: Ideal for fire, heat, and monsoon‑related wind damage
- Personal Property Coverage — Replaces belongings inside RVs, trailers, or on motorcycles.
- Accessories & Custom Equipment — Covers upgrades, safety gear, and permanently installed items (up to $15,000 on motorcycles).
Additional protections often available:
- Uninsured/Underinsured Motorist
- Medical Payments / Personal Injury Protection
- Total Loss Replacement
- Transport trailer coverage (up to $7,500 on motorcycles)
- Roadside assistance & towing
- Trip interruption / emergency expenses
- Safety apparel coverage (up to $2,500 on motorcycles)
- Storage‑only or seasonal options (popular in MN/WI winters)
Why Recreational Owners in MN, WI & AZ Choose Us
- Customized Policies — Built around how you use your motorcycle, boat, RV, or off‑road vehicle
- Bundling Savings — Combine with auto, home, or other policies for significant discounts
- Valuable Discounts — Multi‑policy, safety course, multi‑unit, prior insurance, ABS/airbag equipped, and more
- Fast Claims Service — Quick, reliable support to get you back to your adventures
- Local Expertise — Advisors who understand regional risks, from snowmobile coverage in MN/WI to desert riding in AZ
Complete Protection for Your Lifestyle
We also offer:
- Auto Insurance
- Home Insurance
- Renters Insurance
- Umbrella Liability
- Seasonal & vacation home coverage
- Business Insurance
Bundle multiple policies for maximum savings and full‑coverage confidence.
Protect Your Adventures Today
Don’t let an accident, theft, or storm disrupt your plans. Our Recreational Products Insurance provides the specialized protection your vehicles and equipment need — whether you ride, boat, camp, or explore across Minnesota, Wisconsin, or Arizona.
Get a free, personalized quote today — and enjoy every adventure with peace of mind.