Recreational Insurance

Boats on Jordan Lake, RVs headed for the mountains, ATVs on the back forty, golf carts around the neighborhood — North Carolina is built for recreation. We insure the toys that make weekends worth it, with coverage that follows you on the water, the trail, and the road.

Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.

What We Cover

• Boats and personal watercraft — hull, liability, and on-water towing.
• RVs and travel trailers — from weekend campers to full-timers.
• ATVs and UTVs — off-road liability, theft, and damage protection homeowners policies rarely provide.
• Golf carts — neighborhood and course use, including street-legal LSVs.
• Trailers and gear — the equipment that hauls and outfits your adventures.

Seasonal Coverage That Matches How You Play

If the boat sleeps all winter or the RV only rolls in summer, ask about seasonal and lay-up options. They suspend road or water coverages during storage months while keeping comprehensive protection active against theft, fire, and storm damage — so you save money without going bare.

Don’t Assume Your Home Policy Has This

Homeowners insurance offers little to no coverage for motorized recreational vehicles, especially away from your property. A dedicated policy is inexpensive and closes a gap most owners discover only after a loss. Bundle it with your auto and home coverage for extra savings.

Frequently Asked Questions

Does homeowners insurance cover my ATV or golf cart?

Usually only in very limited situations on your own property, if at all. Off-premises use generally needs its own policy — which costs less than most people expect.

Do I need boat insurance in North Carolina?

The state doesn’t mandate it for most boats, but marinas and lenders usually do — and liability on the water is a risk you don’t want uncovered.

Can I insure a street-legal golf cart?

Yes — low-speed vehicles used on public roads need liability coverage similar to an auto policy. We’ll set it up correctly for your neighborhood’s rules.

Adventure Without the Gaps

Tell us what’s in the garage and we’ll cover the fun. Insure with You!