Personal Insurance

Coverage for the boat and RV that get you out into Big Sky Country.

Whether it’s a boat on the Gallatin River or an RV headed toward Yellowstone, your standard auto or home policy usually won’t cover it the way it needs to be covered.

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The Basics

Why boats and RVs need their own policy.

Boats and RVs carry unique exposures, watercraft liability, storage damage, towing, that fall outside typical auto or homeowners coverage.

A dedicated boat or RV policy covers physical damage to the vehicle or vessel, liability while it’s in use, and often includes coverage for personal property and equipment on board.

Covers physical damage to your boat or RV
Includes liability coverage while operating on water or road
Can cover onboard equipment and personal property
Options for storage, towing, and seasonal use

What We Help Insure

• Fishing and pontoon boats
• Travel trailers
• Motorhomes
• Personal watercraft

What’s Included

Core protections for boats & RVs

Physical Damage

Covers repair or replacement of your boat or RV after a covered loss.

Liability Coverage

Protects you if you cause injury or property damage while operating your boat or RV.

Uninsured Watercraft/Motorist

Protection if you’re hit by an uninsured operator on the water or road.

Personal Effects

Coverage for personal belongings and equipment kept on board.

Towing & Roadside

Optional coverage for towing assistance if your RV breaks down.

Seasonal Storage

Coverage options adjusted for how your boat or RV is stored in the off-season.

Common Questions

Boat & RV FAQs

Does my homeowners policy cover my boat?

Small boats may have limited coverage under a homeowners policy, but larger or faster boats typically need a standalone policy for adequate protection.

Do I need insurance on my RV if I only use it seasonally?

Yes, and many policies offer reduced premiums for seasonal storage periods when the RV isn’t in active use.

Is liability coverage required for boats in Montana?

Requirements vary by watercraft type and size. We can help confirm what’s required and recommended for your specific boat.

Let’s talk about your boat & rv coverage.

Belgrade-based advisors who know Montana risk, ready to help.

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