Personal Insurance
For the roads, water and weekends beyond the ordinary.
From coastal rides to weekends up the Gorge, we cover the vehicles that do not fit a standard auto policy.
Why An Independent Agent
Recreational vehicles need recreational coverage.
A standard auto policy will not properly cover a boat, a motorcycle or an RV. These need their own policy, one built for seasonal use, winter storage, towing, passengers, and gear, the things that actually go wrong on a vehicle you use for fun instead of commuting.
Coverage
What we commonly place
Not every item applies to every situation. Part of our job is telling you which ones actually matter for you.
- Motorcycle liability, collision and comprehensive
- Custom parts and accessories coverage
- Riding gear and helmet coverage
- Boat and watercraft liability and hull coverage
- On-water towing and help
- RV and travel trailer coverage
- Full-timer liability for RV living
- Vacation liability and campsite coverage
- Trailer and towing coverage
- Off-season storage adjustments
- Agreed value options on collectibles
- Roadside help
In Detail
The parts worth understanding
Oregon needs liability on a registered motorcycle, but the coverages riders actually miss are the optional ones.
Custom parts and accessories matters because base policy limits for aftermarket work are low, and a built bike can carry thousands in parts. Riding gear coverage is separate again. And uninsured motorist deserves particular attention, a rider comes off far worse than a driver in the same collision.
A homeowners policy typically extends only minimal coverage to small boats, and usually nothing meaningful for liability on the water.
A dedicated policy covers hull damage, liability to other boaters, on-water towing (which is expensive to buy at the moment you need it), fuel-spill liability, and trailering to and from the water, the Columbia, the Willamette, and the coast all have different exposures.
RVs sit between a vehicle and a dwelling, and the coverage reflects that.
Alongside standard auto-style coverage there is vacation liability for when the RV is parked and in use as accommodation, contents coverage for everything you carry, emergency expense if a breakdown strands you, and full-timer coverage if the RV is your primary residence, which functions much more like a homeowners policy.
Most recreational vehicles sit unused for a good part of the Oregon year.
Some carriers allow layup or storage periods that reduce premium while keeping comprehensive coverage in force. Important, because theft, fire and falling branches do not take the winter off. What you should not do is drop coverage entirely, both because storage risk is real and because a lapse affects your future rates.
Local Knowledge
Built for Oregon and Washington weekends.
The Gorge, the coast, Mount Hood, the Columbia, the San Juans. Our clients use these vehicles hard for part of the year, then store them for the rest. We build your coverage around that real pattern instead of assuming twelve months of steady use.
Bundle & save. Recreational vehicles usually attach to your current auto or home policy for a multi-policy discount, and it keeps every renewal on the same date.
Lisa and Keith answer the phone here. No call center, no robots. Just North Portland neighbors helping neighbors.
The Process
Is this difficult? Not with us.
Tell us about your situation
A few quick details about what you are insuring and what you have now.
We compare carriers
We shop multiple companies to find the best combination of coverage and price.
You get a clear recommendation
Straight answers, in plain language, and often same-day coverage.
Questions
Recreational insurance questions
Do I need separate insurance for my motorcycle?
Yes. Motorcycles need their own policy, and riders should pay particular attention to uninsured motorist, custom parts and riding gear coverage.
Is my boat covered under my homeowners policy?
Usually only minimally, and generally not for on-water liability. A dedicated policy covers hull, liability, towing and trailering.
Can I reduce coverage while my RV is stored?
Often yes. Some carriers allow layup periods that lower premium while keeping comprehensive in force. Dropping coverage entirely is a bad idea.
Does RV insurance cover my belongings inside?
Dedicated RV policies include contents coverage, and full-timer policies extend further because the RV is functioning as a residence.
Related coverage
Get your free recreational insurance quote.
We respond the same day whenever possible.