Motorcycle, boat & RV · New Jersey
Protect the things you do for fun.
Your auto policy stops at your driveway. Motorcycles, boats, jet skis, ATVs, RVs and classic cars each have their own risks, their own seasons and their own rules. We match the policy to how and where you actually use them.
Motorcycle, Boat & RVWhat it covers
What these policies can cover
The details change by vehicle, but the building blocks are similar.
Physical damage
Collision, fire, theft, vandalism and weather damage to the bike, boat, RV or classic car itself, on the road, in the water or in storage.
Liability
Pays for injury and property damage you cause to others, including passengers, skiers and other boaters where the policy allows.
Uninsured rider or boater
Protects you when the other party has no insurance or too little, which matters more than most people expect on a motorcycle.
Agreed value for classics
Classic and collector cars can be insured for a value you and the carrier agree on up front, instead of a depreciated market guess after a loss.
Gear, trailers and accessories
Helmets, riding gear, boat trailers, electronics, fishing equipment and custom parts can be added so they are not left out of a claim.
Towing and on-water assistance
Roadside, towing and on-water assist options for the day the engine will not start far from home.
Claims
When a claim hits, we move.
One number to call, one team that follows it to the check.
Get my free quote- 01
Tell us what happened
One call or a short note with photos. We log the details and open the claim with your carrier the same day.
- 02
We file it for you
Estimates, forms and documents go through us. You sign, we submit, and we keep copies of everything.
- 03
We follow it to payment
We stay on the adjuster until the check is right. If something looks off, we push back with you.
New Jersey notes
Recreational vehicles in New Jersey
Seasons, storage and shore living change how these policies are written.
Seasonal and lay-up options
Many riders and boaters store their vehicle for the winter. Some carriers offer reduced coverage or lay-up periods so you are not paying full price for months of storage.
Boats and named storms
Coastal marinas and shore homes carry hurricane season restrictions. Carriers may require you to move a boat inland or haul it out during named storms, and we explain those rules before you buy.
Motorcycle coverage is separate
A motorcycle is not covered by your car policy. NJ requires liability coverage to register and ride, and we also look at uninsured and medical coverage for the rider.
Umbrella can sit on top
Boats, RVs and motorcycles can be scheduled under an umbrella policy for extra liability protection above the base limits.
Who it is for
Made for every kind of weekend
If it has an engine and makes weekends better, we can look at it.
Get my free quote- A first motorcycle bought for summer riding
- A center console boat kept at a Shore marina
- A jet ski or ATV shared with family
- An RV or camper used for long summer trips
- A classic car that comes out for shows and Sunday drives
- A boat or bike moving from another state to New Jersey
Questions
Recreational vehicle questions we hear every week
Does my homeowners or auto policy cover my boat or motorcycle?
Usually not, or only in very small amounts. Homeowners policies limit watercraft coverage, and an auto policy does not extend to a motorcycle. A dedicated policy is the safe choice.
What is agreed value coverage?
It means you and the carrier agree on the value of a classic or collector vehicle when the policy starts. If it is a total loss, that agreed number is what is paid, not a lower market estimate.
Do I need insurance for a boat in New Jersey?
Rules vary by boat type and by where it is kept, and marinas and lenders often require proof of liability coverage. We tell you what applies to your specific boat and build the policy around it.
Can I pause coverage in winter?
Some carriers offer lay-up or storage-only options for the off-season. You usually keep theft and fire protection while saving on the parts you do not need when the vehicle is not in use.
Can I insure more than one at once?
Yes. Bundling a motorcycle, a boat or a trailer with your auto and home policy often lowers the total cost and keeps everything in one place with one advisor.