Tailored Insurance Solutions for Your RV, Boat, and Motorcycle Needs

Providing the Right Level of Protection

Outdoor activities are great opportunities to spend quality time with family and friends while soaking up in the sun and breathing fresh air. You need full-coverage insurance to safeguard your outdoor interest, whether getting ready for a full day of boating, a family road trip with your custom RV, or hitting the road with your motorcycle. Boyd Insurance & Investments offers a wide range of vehicle insurance, including motorbikes, small boats, campers, or trailers, to meet your unique needs.

What is RV, Boat, & Motorcycle Insurance

Many individuals buy boats, motorcycles, and other recreational vehicles because Florida has a wide variety of parks and bodies of water to explore. As a result of having vehicles, you also have responsibilities, which should be covered by insurance to safeguard you in the event of an accident or other damage. Additionally, there are separate protections specific to RV insurance in Florida.

  • RV Insurance

    This insurance policy, also known as recreational vehicle insurance, is a type of coverage designed to protect motorhomes, camper vans, and other recreational vehicles. It provides financial protection in case of accidents, theft, damage, or liability claims related to your RV.

  • Boat Insurance

    Boat insurance is insurance coverage for boats and watercraft. It helps protect against the risks and liabilities associated with owning and operating a boat. These policies typically cover damages to the boat, including collisions, theft, fire, vandalism, and certain natural disasters.

  • Motorcycle Insurance

    Motorcycle insurance is a type of insurance specifically tailored to motorcycles, mopeds, scooters, and other two-wheeled vehicles. This insurance policy typically includes liability coverage, which helps cover costs if you injure someone else or damage their property while riding your motorcycle.

RV, boat, and motorcycle insurance may also provide liability coverage (for bodily injury and property damage to others). These policies usually cover collision coverage for damage to your vehicles caused by collisions, comprehensive coverage for non-collision-related damages like theft, vandalism, and medical payments coverage to help you cover medical expenses. Coverage options may also provide uninsured/underinsured coverage for motorists and boaters in case you’re involved in an accident with an uninsured or underinsured driver/person.

What Does RV, Boat, & Motorcycle Insurance Cover

Florida is a state known for its stunning coastline, abundant waterways, and long-ride highway sceneries. That’s why many people own yachts, cruisers, sports bikes, and motorhomes. To help you keep safe while on the road or at sea, you need full-scope insurance that protects against accidents, theft, damage to your vessel, bodily injury liability, or even coverage for pollution clean-up costs. 

Here are four common protection that these insurance policies cover:

Liability Coverage

If you're found responsible for causing damage to someone else's property or injuring another person while using your vehicle, liability coverage helps cover the costs associated with legal fees and settlements.

Physical Damage Coverage

Whether it's a collision with another vehicle or an unfortunate incident like theft or vandalism, physical damage coverage ensures that repairs or replacements for your recreational vehicles are taken care of.

Medical Payments Coverage

In case you or someone else gets injured while driving your RV, boat, or motorcycle, medical payments coverage helps pay for medical expenses so that you won't be burdened with hefty medical costs.

Uninsured/Underinsured Motorist Coverage

If you get involved in an accident caused by an uninsured or underinsured driver who cannot fully compensate for damages or injuries they've caused, this type of coverage kicks in to protect you financially.

Keeping Our Customers’ Best Interests

Give yourself more confidence while on the road.

Whether you’re taking a weekend trip to Disney World, Miami Beach, or Everglades National Park, ensuring you have the right insurance coverage helps you enjoy taking your vehicles on outdoor adventures. With RV, boat, and motorcycle insurance, you have peace of mind on the open road or water, knowing you are protected against unexpected mishaps. Allow Boyd Insurance & Investments to safeguard your investments, interest, and health from the costs of loss or damage.

Benefits of RV, Boat, and Motorcycle Insurance

A full-scope insurance for your recreational vehicles, watercraft, and motorcycles allow you to enjoy a worry-free adventure and provide financial protection in case of accidents or damage. Whether it’s a collision on the road, a storm at sea, or a theft in the middle of the night, having insurance means you won’t have to bear the full burden of repairs or replacement costs.

Liability Coverage

These types of insurance typically include liability coverage to help cover legal expenses, settlements, or judgment costs, which protects you if you cause damage to someone else’s property or injure another person.

Asset Protection

Insurance coverage helps protect your investment by providing coverage for damages caused by accidents, vandalism, theft, fire, or natural disaster, giving you peace of mind knowing that your vehicle is protected.

Medical Coverage

Motorcycle insurance often includes medical payments coverage, which helps cover medical expenses if you or your passenger are injured in an accident, covering hospital bills, doctor visits, and other medical costs.

Additional Coverage Options

This additional coverage can include personal belongings stored in your RV or boat, coverage for accessories or modifications, towing and roadside assistance, and uninsured/underinsured motorist coverage.


In many jurisdictions, it is a legal requirement to have insurance coverage for RVs, boats, and motorcycles. This insurance helps you comply with local laws and regulations, avoiding potential fines or penalties.

Boat Insurance Florida

How Much Do RV, Boat, and Motorcycle Insurance Cost

It’s important to consider the financial implications of not having insurance coverage for these valuable assets, especially for renting or purchasing vehicles. While the actual costs can vary depending on factors such as your location, type of vehicle, and coverage options, here are some general points to keep in mind:

  • Vehicle Value

    The cost of insurance for RVs, boats, and motorcycles will largely depend on their value. More expensive vehicles generally have higher insurance premiums due to the increased risk of potential damages or theft.

  • Usage Frequency

    Insurance rates may also be influenced by how frequently you use your recreational vehicles or watercraft. Insurers may offer discounts if you use them sparingly or only during specific seasons since there is less exposure to potential accidents.

  • Coverage Options

    The level of coverage you choose will impact the overall cost of insurance. Basic liability coverage tends to have lower premiums compared to comprehensive coverage, which offers protection against a wider range of risks.

  • Personal Factors

    Your age, driving record (for motorcycles), and boating experience (for boats) can also affect the cost of insurance. Younger individuals or those with a history of accidents may face higher premiums.

  • Bundling Discounts

    Some insurance companies offer discounts if you bundle multiple policies together. So if you already have auto or homeowners insurance, it's worth checking if they offer discounted rates for adding RVs, boats, or motorcycles.

FAQS and Blogs

Know More About RV, Boat and Motorcycle Insurance

We prioritize our customer’s needs by offering assurance and good, flexible insurance. Read through our frequently asked questions to get answers and learn more about motorcycle, RV, and boat insurance coverage in Florida, so you can choose which suits your protection needs.

Yes, there are specific coverage options for custom-built motorcycles and RVs. We can ensure your freedom on the open road with tailored policies that protect your unique ride and give you peace of mind.

Yes, you can insure multiple motorcycles under a single motorcycle insurance policy. It’s convenient and provides the freedom to ride different bikes without the hassle of separate policies. Ride on!

Filing a claim for damage to a boat, RV, or motorcycle is simple. We contact our insurance provider, provide details of the incident, and submit supporting documentation. They handle the rest, giving us peace of mind and ensuring our freedom on the open road or water.

Yes, there are discounts available for bundling RV, boat, and motorcycle insurance. Bundling not only saves money but also provides convenience and peace of mind. It’s a great way to protect our freedom-loving adventures while enjoying some savings.

There may be specific requirements or restrictions for younger or inexperienced drivers to obtain RV, boat, and motorcycle insurance. However, it’s important to note that these restrictions vary depending on the insurance provider and state regulations.

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Your Friendly and Trusted Insurance Broker in Florida

Having RV, boat, and motorcycle insurance is essential for protecting your valuable assets and ensuring peace of mind while enjoying a holiday getaway. These vehicles are not only expensive to purchase but also carry inherent risks. Accidents can happen while on the road or out on the water, and without proper insurance, you could be left with significant financial burdens. So before hitting the road or sailing in the sea, call Boyd Insurance & Investments to learn more about your coverage options.