Insurance for the Adventures That Take You Off the Beaten Path
Boats, ATVs, campers—whatever drives your fun, we’ve got insurance that keeps up. Enjoy your next adventure without worrying about what-ifs. Let us help you find the right coverage for all your toys. Start your quote today and hit the road with confidence.
Why Recreational Insurance Matters
Recreational vehicles bring joy, freedom, and connection to the great outdoors—but they also come with unique risks. Standard auto or homeowners insurance often doesn’t cover your boat, RV, or ATV. That’s why it’s crucial to have specialized coverage built for the way you play. Whether it’s theft, damage, or liability, the right policy helps you stay protected while you explore. We help you understand what’s covered and what’s not—so you can relax and enjoy the ride.
Where Merchants & Planters can help best.
Insurance packages built for your lifestyle—from RVs to watercraft.
Help identifying coverage gaps specific to recreational use.
Seasonal check-ins to ensure recreational coverage remains current.
A Few Coverage Options:
RECREATIONAL INSURANCE
Comprehensive: Protects against non-collision damage like theft or fire.
Liability: Covers injuries or property damage you cause while using your RV, boat, or ATV.
Physical Damage: Pays for repairs to your recreational vehicle after an accident.
Theft: Provides coverage if your recreational equipment is stolen.
Uninsured Motorist: Covers costs if you’re hit by someone with no insurance.
A Word on Being Proactive.
Recreational vehicles often sit unused for months, which makes it easy to forget about coverage—until something happens. Being proactive ensures you have protection during storage, travel, or unexpected accidents. Adjusting your policy with the seasons or usage changes can save you money and prevent lapses in protection. Whether it’s a weekend getaway or a summer-long adventure, the right coverage needs to be in place before the wheels roll or the boat hits the water.