RV and Powersports Insurance | First State Insurance Agency

Why Recreational Vehicle Insurance?

Owning a recreational vehicle can be a dream come true. In fact, 1 in 5 households own at least one powersports vehicle. It gives you the freedom to travel and the capability to explore new places, but with freedom comes responsibility. Should an accident happen – such as property damage, vandalism, or bodily injury as a result of a crash – it’s reassuring to know that you have insurance coverage in place.

With Recreational Vehicle Insurance from First State Insurance Agency, Inc., you can continue living the dream with confidence, knowing that you, your vehicle, and your passengers are protected. Contact one of our agents today to find a package that works best for you.

Boat

Protect your boat—both on the water and on land—while keeping yourself and others safe.

Personal Watercraft (PWC)
Looking to insure your Jet Ski, WaveRunner, or Sea-Doo? Contact us for coverage.

Did you know?
You must report your recreational boating accident to the U.S. Coast Guard if:

Someone dies or disappears from your watercraft.
Someone is injured and requires medical treatment beyond first aid.
Damage to your watercraft or other property exceeds $2,000.
Your watercraft is lost.

ATV

Why do you need ATV insurance?

If you're operating an ATV on state land or off your property in general, your homeowners insurance likely won’t cover it. We’ll make sure you have the proper coverage regardless of how it's used - transporting feed and water on the farm or adventuring in the wild. Many states require ATV drivers to have liability coverage and collision coverage may be required if you lease or finance your ATV.

Ranges of coverage for all types of ATVs:

Three Wheelers
Four Wheelers
Quad Bikes

Motorcycle

Reap the benefits of year-round motorcycle insurance—whether your bike is on the road or stored for the winter.

Rates are based on year-round coverage
Loan originators often require year-round coverage
Deductible benefits offered to 12-month policy holders
Maintain readiness, 365 days a year.

Vintage Motorcycle Insurance

Our vintage motorcycle and scooter policies can help protect your classic ride in the event of a covered collision, mechanical breakdown and other types of accidents.

Golfcart

Golf carts have become a regular means of transportation within gated communities and vacation destinations. In some places, golf carts can be driven on the same roads as cars. And in certain states, you’re required to have liability coverage for your golf cart. Some golf carts are eligible for coverage under a homeowners insurance policy, as long as you stay on your property.

Guest Passenger Liability
Bodily Injury Liability
Property Damage Liability
Collision
Comprehensive
Uninsured Motorist/Underinsured Motorist

Side-by-sides/UTVs

Side-by-sides (SXS) and UTVs are powerful off-road vehicles built for both work and recreation. With their larger size, car-like controls, and roll cages, they offer comfort, cargo space, and performance ideal for adventure seekers—but they also come with unique risks. Insurance provides financial protection against accidents, theft, and property damage, which standard auto or homeowners policies rarely cover.

Key reasons to insure your UTV:

Liability Coverage: Protects you if you injure someone or damage property.
Collision & Comprehensive: Covers repairs or replacement after crashes, theft, fire, or vandalism.
Medical Payments: Helps pay for injuries to you or passengers.
Legal & Park Requirements: Many states, trails, and parks require proof of insurance.
Loan Protection: Lenders often mandate full coverage for financed UTVs.

Without proper insurance, one accident can result in thousands in medical bills and repair costs, medical bills, or even lawsuits. Protect your investment so you can focus on the ride, not the risk.