Recreational Insurance

Accidents happen outside.

DHW can make sure you're covered.

Keeping your outdoor recreation safe starts with the right coverage.

Outdoor activities can be a great way to spend time with your family, make lasting memories, recharge your batteries, get some fresh air, and even take a vacation. But exploring the great outdoors often means using heavy equipment that is both expensive and potentially dangerous. You can’t predict when an accident will happen, but you can be prepared with the right type of recreational insurance.  

And the use of recreational vehicles is on the rise. Consider this:

  • The U.S. is the largest market segment for motorhomes, campers, and travel trailers. Approximately 40 million people take an RV camping trip each year.
  • Most people buy recreational vehicles on the resale market, buying from individual sellers instead of a dealership. Without the guidance of a dealer to include an insurance policy, the responsibility of getting the right insurance policy is up to individual buyers (who don’t always know the risks to watch out for). Over the past 30 years, there have been nearly 700 reported deaths in California alone due to ATV accidents.

Recreational Insurance covers motorcycles, motor homes, ATVs, dirt bikes, snowmobiles, travel trailers, campers, and more. Why choose DHW for your recreational insurance coverage? Our plans provide key advantages to keep your vehicle and everyone in it protected, including: 

Complete market coverage—Our recreational vehicle insurance programs cover the entire marketplace, leaving no stone unturned for your own personal best-coverage option.

Jet ski insurance—Jet ski insurance will cover your vehicle if it is stolen or destroyed. It will also ensure that jet ski riders are protected against liability claims on damage to your neighbor’s property or other people. Jet ski insurance is not a legal requirement, but it’s a smart decision to have—you can’t predict what will happen when you combine agile and fast-moving water vehicles with popular recreational areas.

Boat insurance—A boat is a significant investment. From a small fishing boat to a pontoon boat all the way up to a luxury yacht, boat insurance is a key part of keeping your investment safe. Protect your boat from theft, damage, loss, and liability with a solid recreational vehicle insurance plan.

RV insurance—As more Americans turn to experience-driven family vacations, RVs are increasingly becoming the travel vehicle of choice. (Who can turn down camping in a national park beneath the stars with a mobile kitchen, bedroom, and shower?) But RVs require a special type of insurance to ensure that you are prepared for the unique repairs, damage, loss, and liability that come with a motorhome. Whether you have a travel trailer, a camper or fifth-wheel, let the RV insurance experts at DHW help you find the right policy for your needs. 

Two- and four-wheeler insurance—Snowmobile insurance is not legally required in California—but if you want to keep your vehicle and riders safe, you’ll want to have a solid four-wheeler insurance policy in place. Motorcycle insurance is a requirement, of course. We can provide the right insurance for your needs, to keep your vehicle and riders safe.

Golf Carts—You might not think that you need an insurance policy for your golf cart—but it’s a smart decision. Golf cart insurance acts just like your auto insurance policy, protecting against loss, theft, damage, and liability. Don’t make the mistake of assuming that your auto policy covers your golf cart—even the most comprehensive of policies often neglect to include golf cart insurance coverage.

Explore with confidence and security through every mile. 

Recreational insurance coverage is all about giving you peace of mind while in the great outdoors. A solid plan will ensure that you, your family, and your equipment are fully protected while enjoying outdoor activities, whether it’s 87 degrees and sunny, or 25 degrees and snowing. Here are a few of the most common auto insurance challenges that our clients rely on DHW to solve:

  • Theft
  • Accidents
  • Replacement
  • Liability

With DHW, you get much more than just comprehensive recreational insurance coverage. You get a true partner, one who is invested in understanding your needs, assessing your risk, and creating tailored solutions for you and your vehicles. Explore the open road, navigate new waters, and blaze new trails with Dedication, Heart, and Wisdom. See the difference that we can make in your recreational insurance.

Protect your RV, boats, and your ATVs.

When your goal is having fun in the outdoors, the last thing you want to be thinking about is whether or not you have enough insurance coverage for your recreational vehicle. Let the experienced agents at DHW ease your concerns with the right policy to keep you safe while exploring the outdoors.

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