When the sun comes out, so do the summer toys—boats, jet skis, RVs, golf carts, ATVs, and everything in between. But before you hit the water, the campground, or the trail, it’s worth asking: Is your summer fun actually covered?
Let’s break it down, so you can soak up the season without any insurance surprises.
Covered?
Yes—with a separate policy. Most homeowners policies don’t fully cover boats or personal watercraft like jet skis. You’ll likely need a boat insurance policy to protect against damage, theft, and liability—especially if you're zipping around with friends onboard.
Tip: Check if your boat trailer is covered too!
Covered?
Yes—with RV insurance. Whether you’ve got a full-on motorhome or a cozy camper trailer, you’ll want RV insurance that covers both on-the-road driving and off-the-road living.
Things to consider:
Covered?
Sometimes. If you’re cruising around a private community or campground, a golf cart policy might be needed—especially if it’s not street legal. Some homeowners policies offer limited coverage, but don’t count on it for everything.
Pro tip: If you use it beyond your own property, definitely ask us about adding proper coverage.
Covered?
Not under homeowners insurance. You’ll need specialty ATV insurance to cover collisions, injuries, theft, and property damage. And if your teenager is behind the handlebars, you’ll want to make sure your liability limits are solid.
Here are a few things people often think are covered, but usually aren’t:
We know—it’s a lot to keep track of. But we’re here to make it easy. Whether you're boating on the Columbia, road-tripping through the Pacific Northwest, or just rolling around the neighborhood in your golf cart, Sea Mountain Insurance can help make sure your summer fun doesn’t turn into a summer flop.
Have questions about your coverage? Give us a call—we’re happy to check what you’ve got and fill in the gaps before the next adventure.
