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Recreational Vehicle Insurance

Sleds on the Tug Hill, boats on Lake Ontario, ATVs on the back forty, the camper that makes summer: Eastern Shore Insurance Agency covers the machines that make living here worth it.
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Independent Advice

We work for you, not the insurance companies.

Employee-Owned

A team committed to your business and your success.

Six Local Offices

Proudly serving Central & Upstate New York.

Every season has its risks

Recreational vehicle coverage protects the machines that make the seasons worth it.

Your sled finds a buried obstacle on a Tug Hill trail.

Physical damage coverage repairs it; liability protects you if someone else is involved.

A storm knocks your boat around at the dock.

Watercraft coverage handles the damage.

A friend is hurt riding your ATV.

Liability coverage responds so a good day does not become a lawsuit.

What Recreational Vehicle Insurance Covers

Each toy gets coverage shaped to how and where it is used:

Snowmobiles

Liability required for the trails, plus physical damage, accessories, and trailering.

Boats and personal watercraft

Hull, motor, liability, and gear, on the big lake or the small ones.

ATVs and UTVs

On your land and off it.

RVs and campers

From pop-ups to motorhomes, including full-timer options.

Trailers and accessories

The equipment that gets it all there.

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Who Needs Recreational Vehicle Insurance Coverage

Homeowners and auto policies do very little for motorized recreation, which is most of what we do for fun here.

Snowmobilers

New York requires liability coverage to ride public trails.

Boaters

Lake Ontario, Oneida Lake, and the Finger Lakes.

ATV and UTV owners

On your own land and off it.

RV and camper owners

From pop-ups to motorhomes, including full-timers.

Add a personal umbrella over boats and sleds, and review storage and seasonality with your home policy.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

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  • 315-598-6000

Who Needs Recreational Vehicle Insurance Coverage

Homeowners and auto policies do very little for motorized recreation, which is most of what we do for fun here.

Snowmobilers

New York requires liability coverage to ride public trails.

Boaters

Lake Ontario, Oneida Lake, and the Finger Lakes.

ATV and UTV owners

On your own land and off it.

RV and camper owners

From pop-ups to motorhomes, including full-timers.

Add a personal umbrella over boats and sleds, and review storage and seasonality with your home policy.

Need a certificate of insurance fast?

We issue certificates quickly, because a slow certificate can cost you the job. We'll take care of it.

Talk to an Agent
Get a Quote
  • 315-598-6000

Why not just my homeowners policy?

One call in the fall gets the sleds covered before the first ride; one in spring does the boats.

Recreational Vehicle

Purpose-built coverage per machine, on the trail, water, or road.

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Home

Provides only very limited coverage for motorized toys, if any.

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Personal Umbrella

Extra liability above your toy policies, wise for boats and sleds.

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Why Eastern Shore Insurance Agency

As an independent, employee-owned agency, we shop multiple carriers to find the right coverage at the right value, and we are honest about what you do not need. With six offices across Central and Upstate New York, from Fulton to Waterloo, you get an advisor who knows your community and answers the phone when a claim happens.

Trusted Choice®

100% Employee-Owned

Six New York Offices

Independent Agency

“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY
“Eastern Shore handled our COI the same afternoon we called. When a claim hit, the same person picked up the phone. That is what an insurance partner is supposed to look like.”
Mark S.
Business Owner, Oswego, NY

Recreational Vehicle Insurance FAQs

Quick answers to common questions from riders, boaters, and campers.
Barely, if at all. Homeowners policies give minimal coverage for motorized recreational vehicles, and liability off your property is commonly excluded. Each machine needs its own policy.
Yes, liability coverage is required to ride on public trails and lands. Beyond the requirement, physical damage coverage is what saves the season when the sled meets something solid under the powder.
Storage options can reduce cost in the off months, but keep comprehensive year-round: theft and fire do not check the calendar. We will set up the seasonality correctly for each machine.
You and the carrier fix the payout value up front, which matters for well-kept and customized machines. Ask about it for boats, classic sleds, and anything you have put real money into.

Have any questions?

Our local team can help you find the right coverage for your business in New York.

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Related coverages

Home

Protection built for Central New York homes.

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Auto

Coverage for every driver in the house.

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Personal Umbrella

An extra layer above everything else.

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Other & Specialty

Purpose-built coverage for everything else.

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Industries We Serve

Insurance solutions built for the way you work

We partner with businesses across a range of industries to help manage risk and drive growth.

Contractors

Manufacturing

Hospitality & Restaurants

Non-Profits & Churches

Farms & Ranches

Retail

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