We cover recreational vehicles, watercraft, and jet skis under certain circumstances.
Recreational Vehicles & Jet Skis
These can be insured if a primary insurer provides a personal liability policy with a minimum liability limit of $300,000 CSL or $250,000/$500,000/$100,000 split limits. Primary insurer must be an admitted insurer with A.M. Best Rating of B+ (VII) or higher.
Eligible recreational vehicles include jet skis, dune buggies, all-terrain vehicles (ATVs), minibikes, trail bikes, snowmobiles, and golf carts that are not licensed for road use.
Not eligible:
Unlicensed recreational vehicles or jet skis with a speed greater than 60 MPH
Any three-wheeled ATV
Boats & Watercraft
Watercraft can be insured if a primary insurer provides a personal watercraft policy with a minimum liability limit of $300,000 CSL or $250,000/$500,000/$100,000 split limits. Primary insurer must be an admitted insurer with A.M. Best Rating of B+ (VII) or higher.
To be eligible, watercraft must:
Have a maximum speed less than 60 MPH
Be under 50 feet in length
Not carry passengers or cargo for a fee
Whether your insured calls it a boat, yacht, pontoon, cabin cruiser, speedboat, bass boat, bowrider, center console, ski boat, wake boat, catamaran, trawler, or sailboat, the same eligibility rules apply.