As spring and summer roll in, many people get ready to enjoy the outdoors with their boats, campers, ATVs, and watercraft. But one common question is:
Does your homeowners insurance cover these fun vehicles?
⛔ Not Always—Here’s Why
While some homeowners policies include limited coverage for small boats or property-maintenance vehicles, they often exclude:
• Motorized boats used on public water
• Campers and RVs driven on public roads
• Off-road ATVs and trail vehicles
• Any watercraft used away from your property
🛑 Winter Layup Coverage Doesn’t Auto-Renew
If you paused your insurance for the winter with layup coverage, don’t forget to reactivate it before use. Otherwise, your “toys” may be uninsured the moment they leave the garage.
🏖️ Going Off-Premises? Get a Separate Policy
Whether you’re boating on Lake Norman or towing your camper to the mountains, you likely need separate coverage. Most carriers require dedicated boat, RV, or ATV policies when used off your personal property.
✅ What Should You Do?
• Check if your homeowners policy has any coverage for recreational vehicles.
• Talk to your independent agent to review and update seasonal insurance needs.
• Don’t assume—confirm.
At Connor Insurance, we help you understand where your current policy ends and where a separate policy needs to begin. Enjoy your time outdoors but make sure you’re properly protected first.
