Boat, Motorcycle, & ATV Insurance

Many homeowners assume they can simply add an ATV or snowmobile to their home's insurance policy and they'll be covered for whatever happens. The fact is, most of those policies only cover liability for those big toys when they're safe and secure on your property. If you actually want to leave the driveway, you may need the extra protection a specialty policy offers. After all, the whole point of buying toys is to have fun.

Things to consider:

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.


  • Did you know that many home policies exclude coverage if your boat is over 26 feet in length or greater 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.

Protect yourself

Tell us about the toys you own and how you use them. We'll ask the right questions to determine what coverage is appropriate for your needs. Ask us about a free quote or policy review today by calling 1-800-443-6316.

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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