Are your seasonal vehicles ready for summer?

Before you take them out of winterization, you should make sure that your spring/summer vehicles are properly covered.

All-terrain vehicles (ATVs), boats, and motorcycles are popular recreational vehicles that start to make their way out of storage in the spring and summer months, making sure they are properly covered can protect your from a financial loss in the future.

All-Terrain Vehicles (ATVs):

ATVs offer an enjoyable riding experience and are commonly used in designated recreational areas. However, it’s essential to recognize that ATVs can also pose risks. To mitigate these risks, follow safety guidelines and make sure to obtain ATV insurance. While insurance is mandatory in many states for riding on public lands, it’s still advisable to have coverage even when riding on private property. If you’ve financed your ATV, your lender will likely require insurance as well. Remember that specific ATV insurance requirements vary by state, so it’s essential to check your local regulations to ensure your ATV is in compliance. 


Most boat insurance policies provide liability protection. This covers your boat for bodily injury and medical expenses, damages to others property, and any injuries or losses caused by people you give permission to drive your boat to be covered. It also protects against damages or losses due to collisions, fires, lightning, vandalism, and theft.

This includes:

  • the boat
  • the hull
  • machinery
  • fittings
  • furnishings
  • any permanently attached standard equipment

What’s not included is:

  • Normal wear and tear
  • Defective machinery or failure due to lack of maintenance
  • Damage from wildlife, including sharks, insects, and zebra mussels
  • Damage from mold
  • Damage from ice or freezing

You never plan for your boat to be in an accident, but if it is, having your boat insurance policy updated will protect you from financial loss and get you back on the water sooner.


Whether you own a brand-new bike or have been riding one for years, it’s good to have an understanding of the insurance you may need. Knowing what the right motorcycle coverage is for you will prepare you for almost anything that comes your way. Standard motorcycle insurance policies cover bodily injuries, property damage, and liability to others. Prepare for this summer’s many journeys by contacting your insurance agent early to help you find the right coverage.

Learn More

Having the right insurance ensures peace of mind, whether you’re cruising on your ATV, sailing your boat, or hitting the open road on your motorcycle! If you have questions about protecting your recreational vehicles, reach out to our Personal Insurance team. They’re happy to help you stay updated about ways to save.

This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Please refer to your policy contract for any specific information or questions on applicability of coverage.

Please note coverage can not be bound or a claim reported without written acknowledgment from a OneGroup Representative.

Written content in blog post: Copyright © 2024 Applied Systems, Inc. All rights reserved.