Boat, Motorcycle, Snowmobile & ATV Insurance

It’s fun to have recreational toys for winter and summertime play, but it’s important to know how to cover them if something unforeseen happens. Don’t assume you can simply add big toys under your home’s insurance policy. Fact is, most policies only cover liability when they're safe and secure on your property.  If you actually want to leave the driveway - and we know you do - you may need the extra protection a specialty policy offers, and isn’t having fun the whole point of buying those big toys?

Things to consider:


  • Some policies exclude coverage if your boat is over 26 feet or more than 50 horsepower
  • Is your trailer covered?
  • Is your personal property onboard and fishing equipment covered?
  • How about accidents involving uninsured or underinsured boat operators?
  • Is towing covered if your boat breaks down on the water?
  • Does your policy include coverage for the repair or replacement of the lower unit of an outboard, or the outdrive of a stern drive motor?


Many riders trick out their bikes to match their personality... and all the extra chrome, saddlebags, handlebars, and more can be expensive to replace. Before you hit the open highway, make sure you have the right coverage to protect those unique features.

ATVs & Snowmobiles

  • Does your policy include off road coverage and liability protection?
  • Do you need coverage to replace your ATV?
  • Are custom parts, equipment and accessories covered?
  • Are genuine manufacturer's parts important to you?
  • Is your trailer covered?
  • How about accidents involving uninsured or underinsured drivers?

Specialty policies are often less than $75 a year and additional discounts and deductible options may be available.

Protect yourself

Don’t get stranded or left high and dry…make sure you’re well protected! Ask us about a free quote or policy review today by calling 1-800-443-6316. We’ll give you recommendations for smooth sailing ahead!

Insurance products are offered through Think Insurance (MN license # IA-538), not Think Mutual Bank. Insurance products are not FDIC insured, are not insured by any federal agency, and are not a deposit or guarantee of Think Mutual Bank.

This is not a policy. For a complete statement of coverages and exclusions, please see the policy contract.

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