RV, Boat & Toy Insurance

Coverage for your favorite weekend plans

Whether you’re heading to Flathead Lake, pulling a fifth wheel through Glacier, or cruising around on a side-by-side, we’ll help you protect the toys that make living in Montana so fun. These aren’t just purchases—they’re investments in your lifestyle. We’ll find a policy that fits how, when, and where you use your gear, so you can focus on the adventure, not the “what ifs.”

What We Can Help You With

Seasonal toys, full-time coverage

We work with outdoor-loving Montanans to cover all the fun stuff that doesn’t quite fit in a standard home or auto policy. That includes:

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RV & Camper Insurance

Covers damage, theft, collision, and liability—whether it’s your full-time home or just for summer getaways.

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Boat & Jet Ski Insurance

Protects your watercraft on and off the lake, including liability, damage, and gear stored on board.

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ATVs, UTVs & Side-by-Sides

Coverage for the trails, ranch roads, or recreation areas you use year-round.

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Snowmobiles

Helps cover winter rides and backcountry adventures—perfect for Montana’s long snow season.

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Trailers & Toy Haulers

Insures the trailer that hauls your gear or the gear you’re hauling—whether you’re headed to Seeley Lake or a long weekend in Idaho.

RV, Boat & Toy Insurance FAQ

Get answers before you hit the road

  • Do I need separate insurance for my RV or can I add it to my auto policy?

    You usually need a separate policy for RVs, especially if you drive it on public roads or use it as a temporary residence. Auto policies often don’t provide the right type of coverage for the living space or personal belongings inside. RV insurance can also include vacation liability and roadside assistance. We’ll help you decide what’s necessary based on how and when you use it.

  • Is boat insurance required in Montana?

    Montana doesn’t require boat insurance by law, but if you finance your boat, your lender probably does. Even without a legal requirement, having liability and damage coverage is a smart move—especially with crowded summers on lakes like Flathead or Georgetown. We’ll explain what’s covered and how to keep your policy active even in the off-season.

  • Can I insure my ATV or side-by-side if I only use it on my land?

    Yes, and it’s still a good idea. Even on private property, accidents can happen—especially if friends or family are riding. A basic policy can help with repairs and liability, and some ranch owners also choose to insure gear used for work purposes. We’ll find the right level of protection based on where and how often you ride.

  • Are trailers covered under my auto policy?

    Not always. Some small trailers might be partially covered while being towed, but damage to the trailer itself usually isn’t. If you’ve invested in a toy hauler or enclosed trailer, it’s worth getting a separate policy to cover physical damage, theft, and weather-related issues. We’ll help you sort it out so you’re not caught off guard.

  • What if my gear is stored for half the year?

    Most policies can be adjusted for seasonal use, which means you won’t pay full price when your RV, boat, or snowmobile is in storage. We’ll help you set up a plan that reflects how often you use your equipment and where it’s stored. That way, you’re saving money in the off-season but still protected from theft, fire, or weather damage.