Recreational Insurance

Protect the Adventures You Look Forward To.

From RVs and boats to ATVs and e-bikes, get coverage suited to what you own and how you use it. Cook Insurance brings you options from multiple insurance companies and clear advice on coverage and cost, so you can choose with confidence.

  • RVs, motorhomes, travel trailers, campers
  • Boats and personal watercraft
  • ATVs, UTVs, side-by-sides
  • Motorcycles and dirt bikes
  • Snowmobiles
  • E-bikes
  • Golf carts and other recreational vehicles
PROTECTION BEYOND THE EVERYDAY

Protection for What You Ride, Drive, or Take on the Water.

/01

Liability Protection

Coverage for injuries or damage you cause to others while using your insured recreational vehicle or watercraft.

/02

Collision Coverage

Protection for damage to your insured vehicle or watercraft from a collision.

/03

Theft and Other Damage

Coverage for losses such as theft, fire, vandalism, and certain weather damage.

/04

Equipment and Accessories

Options to protect items such as added equipment, custom accessories, and gear. Available coverage depends on what you own, how you use it, and the policy you choose.

How Recreational Coverage Fits With Your Other Insurance.

How you use, store, transport, and equip your recreational vehicles or watercraft matters when choosing coverage. Take another look when:

You Buy Something New or Make Upgrades
A new purchase, added equipment, or custom accessories can change what needs protection.
1
How You Use It Changes
Longer trips, different riding areas, or more time on the water can introduce coverage questions worth discussing.
2
You Store or Transport It Differently
Check how your coverage applies in storage, on a trailer, and away from home.
3
Someone Else Takes the Wheel or Handlebars
Understand how your policy applies when family members or friends operate your vehicle or watercraft.
4

How Recreational Coverage Fits With Your Other Insurance.

Your auto or homeowners insurance may provide limited protection for certain recreational vehicles, watercraft, or e-bikes. A separate policy can address coverage those policies don’t provide. If you have umbrella insurance, check whether it extends to these activities and what underlying coverage it requires.

The Right Coverage Starts With Understanding Your Needs.

Every situation is different. We take the time to understand what you’re protecting, review your current coverage, and help identify potential gaps so you can make informed decisions with confidence.

Does recreational insurance cover everything under one policy?
Recreational insurance is a broad category, rather than one policy that covers everything. Your boat, RV, ATV, or e-bike may need different coverage. Tell Cook Insurance what you own and how you use it, and we’ll explain your options.
Storage doesn’t eliminate the possibility of theft, fire, or other damage. Your lender or storage facility may also require coverage. Before reducing or canceling insurance, talk with Cook Insurance about protection during storage and any seasonal options available.
Have a few basic details handy about what you own, how you use it, and where you keep it. Contact Cook Insurance or schedule an appointment, and our team will guide you through the rest.
LET'S MAKE SURE YOUR COVERAGE STILL FITS YOUR LIFE

Get Coverage That Fits Your Next Adventure.

Tell us what you own and how you use it. Compare options from multiple insurance companies with clear advice on coverage and cost.

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