Recreational Vehicle Insurance for Vermont Trails, Roads, and Lakes

Enjoy Vermont With Confidence

ATV, boat, snowmobile, motorcycle, and RV insurance

Weekends at Lake Memphremagog, rides on VAST trails, and summer trips with the camper are better when you know your gear is insured. Hull Insurance Agency helps Vermont riders and boaters choose recreational vehicle insurance that fits how you use your toys, from side-by-sides and sleds to fishing boats and motorhomes.

Vehicles We Cover

 From two wheels to the water

  •  Motorcycles including cruisers, touring, and custom bikes
  • ATVs and UTVs used on property and trail systems
  • Snowmobiles for VAST and private land riding
  • Boats and personal watercraft for lakes and rivers
  • RVs and campers including motorhomes and towables
  • Specialty and custom vehicles considered

What Policies Can Include

Key features for recreational coverage

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Liability coverage

Helps if you injure someone or damage property while using your vehicle.

Black and white illustration of an all-terrain vehicle (ATV).

Physical damage

Collision and comprehensive to repair or replace your ATV, snowmobile, motorcycle, boat, or RV.

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Special options

Accessory coverage for custom parts, safety gear, and electronics. For boats, consider on-water towing and fuel spill liability. For RVs, add coverage for personal belongings, awnings, and attached accessories.

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Medical payments

Added protection for you and passengers after an accident.

Vermont Rules And Good Sense

What to know about riding and boating here

Registration and trail access rules can vary for ATVs and snowmobiles, especially on VAST trails and town roads. Even when insurance is not mandated for private land, carrying liability and medical coverage is a smart choice. Boaters often need separate boat policies for meaningful liability and hull coverage. Hull Insurance Agency will explain requirements and recommend limits that make sense for your family.

Why Choose Hull For Your Toys

Local knowledge and simple service

Bundle your toys with your home or auto to save. We work with carriers known for recreational vehicles and make changes quickly when seasons shift. From Milton and Georgia to Newport and the Kingdom, you will get straightforward help from neighbors at Hull Insurance Agency.

Riders And Boaters Ask

FAQ for recreational vehicle insurance

  • Do I need separate insurance for my ATV or snowmobile

    If you ride VAST trails or public lands, liability coverage may be required. Even on private land, a policy is important to address injuries or property damage. Physical damage coverage helps repair or replace your machine after crashes, theft, or weather events. We will pair the right limits with how and where you ride.

  • What does boat insurance cover that my home policy does not

    Home policies often provide little to no on-water liability or hull coverage. A boat policy adds dedicated liability, collision, comprehensive, and optional towing. You can also add coverage for fishing gear, electronics, and trailers. We will price options for your runabout, pontoon, or personal watercraft.

  • Is motorcycle insurance mandatory in Vermont

    Yes, motorcycles must meet state minimum liability limits. We usually recommend higher limits, uninsured motorist, medical payments, and comprehensive and collision for newer bikes. Accessory coverage can protect custom parts and riding gear. Hull Insurance Agency explains each option so you can ride with confidence.

  • Can I bundle my toys with home or auto

    Many carriers offer multi-policy discounts when you place ATVs, snowmobiles, boats, or RVs with your home or auto. Bundling simplifies billing and can unlock extra features. We will compare stand-alone pricing to bundled quotes to find the best value. Ask us to review all your vehicles together for additional savings.

  • What coverage should I consider for an RV or camper

    In addition to liability and physical damage, RV policies can include personal effects, vacation liability, and campground liability. Awning and attached accessories are often listed specifically. If you use the RV seasonally, we can tailor coverage periods and storage options. Our team will match the policy to your travel style and equipment.