Most homeowner's policies provide very limited boat coverage — typically only small boats under 25 horsepower or under a certain value. Larger or faster boats need a dedicated marine insurance policy for proper protection.

Yes — liability coverage is required year-round in most states. However, you may be able to suspend collision and comprehensive coverage when storing your bike and significantly reduce premiums during off-season.

Agreed value means you and the insurer agree on the vehicle's value upfront. If it's totaled, you receive that agreed amount with no depreciation deducted — unlike actual cash value policies that reduce payout over time.

Yes. Most recreational policies allow you to add trailer coverage for boat trailers, camper trailers, or ATV haulers. Matt can bundle this affordably into your existing policy.

Many recreational policies include coverage for permanently installed equipment. Fishing gear, wake boards, personal watercraft accessories, and similar items may require an equipment endorsement. Matt will review what you own.

Even on private property, ATV accidents can result in significant injuries and liability exposure. A dedicated ATV policy protects you from liability if others are injured and covers repair costs regardless of where the accident occurs.