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America's Insurance Associates Blog

What is recreational insurance?

When you purchase a toy like a Sea-Doo or jet ski for your Florida home, you also need to purchase recreational insurance from Americas Insurance Associates to cover it. A recreational policy covers vehicles not afforded coverage by your auto or home insurance for liability, property damage, and coverage of your own property.

Purchasing Recreational Coverage

You can add recreational insurance to either your homeowners’ policy or your auto insurance policy to cover many types of vehicles, including:

  • ATVs,
  • Campers,
  • Dirt bikes,
  • Dune buggies,
  • Golf carts,
  • Mopeds,
  • Motor homes,
  • Scooters,
  • Snowmobiles,
  • Trailers.

Which primary policy you choose to add this secondary policy to depends on how you will use the recreational vehicle. If you only plan to use the vehicle on your property, add it to your home policy. If you want to use it in public areas, add it to your home policy.

Like building a policy to cover your car or truck, you can build a custom policy by adding to it the coverage types that you need, including:

  • Collision coverage
  • Coverage for trailers used for transporting
  • Equipment coverage
  • Increased liability limits
  • Medical payments coverage
  • Safety apparel coverage.

You decide which items you add to your recreational insurance.

When Recreational Insurance Is Required

When you finance a recreational vehicle, such as an RV or boat, your lender might require recreation insurance for the life of your loan. To protect your finances, continue the coverage after you pay the loan, too.

Contact Us Today

Contact Americas Insurance Associates today for recreational insurance for your toys in Florida. We serve the state’s residents with the insurance they need to protect their financial security.


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  • Allstate
  • American Traditions
  • Auto-Owners
  • Federated Natonal
  • Florida Family
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  • Hagerty
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  • Nationwide
  • Progressive
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  • SafePoint
  • The Hartford
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  • Travelers
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