Compare coverage for the vehicles you take on the water, the road and the open highway. We can help you review options around how you use your boat, recreational vehicle or motorcycle, what you want to protect, and the terms that matter to you.
Recreational vehicles can have different insurance needs. The right policy depends on the vehicle, its value, where it is kept, how often it is used, who operates it and the insurer’s underwriting rules. Start with the type of vehicle you want to insure.
Review options for eligible boats and personal watercraft, including how the vessel is stored, operated and transported.
Coverage options may vary for motorhomes, travel trailers, fifth wheels and campers. Clarify how the vehicle is used and where it is parked or stored.
Whether you ride daily, seasonally or on longer trips, discuss the motorcycle and each regular operator with the agent.
Coverage descriptions are general examples. Availability, definitions, limits, deductibles and exclusions vary by carrier and policy form. The issued policy controls.
Premium is only one part of the comparison. Review the quote and policy details side by side so you understand what is insured and what you would pay after a covered loss.
A complete, accurate application helps the insurer evaluate the risk and provide terms for review.
From a boat kept near Fort Lauderdale to an RV stored in Hollywood or a motorcycle garaged in Pembroke Pines, location and usage details can affect which insurers and policy options are worth reviewing. Tell us what you own and how you use it, and we’ll help you compare available options.
Some insurers offer multiple recreational vehicle products, but eligibility and policy structure vary. Ask whether each vehicle needs a separate policy and compare any multi-policy discount with the individual coverage and terms.
Requirements can come from a lender, marina, storage provider or specific activity, and rules may depend on the circumstances. Verify any requirement that applies to you and review the policy terms before relying on coverage. The Florida Department of Financial Services provides insurance consumer information.
Do not assume that a homeowners or auto policy covers a boat, RV or motorcycle. Coverage, if any, may be limited. Ask your agent and check the policy language for the specific vehicle, property, activity and location.
Possibly, depending on the insurer and the modifications. Tell the agent about custom parts, upgrades, installed equipment and changes to the vehicle before requesting terms; ask whether they must be separately listed or documented.
Review the policy for storage, lay-up, security, maintenance and storm-related requirements. Ask your insurer whether seasonal use changes the coverage or premium, and follow any instructions that apply to your policy.
Share the vehicle details and your coverage questions through our quote request page or call 800-310-2743. We can review available options with you.
Tell us what you want to insure and how you use it. We’ll help you compare available options and policy details.
Direct Insurance Network is an insurance agency. This page is for general informational purposes and is not an offer of coverage, binder or guarantee. Coverage is subject to insurer underwriting, policy terms, conditions, limits and exclusions. Review the issued policy and ask questions before binding coverage.
For independent consumer information, visit the Florida Department of Financial Services Division of Consumer Services.