Motorcycle, Boat & RV Insurance in Toledo, WA

Black and white icon of a recreational vehicle (RV) on a rectangular platform.

Coverage for the Fun Things in Life

Whether you're taking your RV into the Cascades, launching your boat into the Cowlitz River, or riding a motorcycle through the backroads of Lewis County, one thing is true: your recreational vehicles need the right insurance.


We offer specialty insurance for motorcycles, RVs, boats, ATVs, and more—so you can enjoy the ride or the water without worrying about what might go wrong. Our policies are customized for the way you use your toys, with flexible options to protect both your investment and your lifestyle.

Motorcycle Insurance That Rides with You

Local coverage for every kind of bike and rider

We insure cruisers, sport bikes, trikes, scooters, and custom motorcycles throughout Southwest Washington. From minimum liability to full-coverage packages, we help riders get the protection they need without overpaying.



Our policies can include damage coverage, custom parts protection, and roadside assistance—with available discounts for safe riders and approved safety courses.

Motorcycle rider on a road, hands on handlebars. Road stretches ahead with sunlight.

Coverage Highlights

  • Liability Coverage: Meets Washington state requirements for motorcycle owners (mandatory as of 2019).
  • Collision & Comprehensive: Helps cover repairs or replacement if your bike is damaged, stolen, or vandalized.
  • Accessories & Gear: Add protection for helmets, saddlebags, jackets, and custom parts.
  • Rider Discounts: Get rewarded for taking safety courses or having a clean driving record.
Man at the helm, woman points at horizon, both on a sailboat at sea.

Boat & Jet Ski Insurance for Local Waters

Stay covered while you fish, float, or cruise

From weekend fishing trips on the Cowlitz to jet skiing on Washington's bigger lakes, we offer boat insurance that fits your lifestyle. Most homeowners policies don’t cover larger boats or personal watercraft—so a dedicated marine policy is the smart way to protect your vessel.



We can cover everything from rowboats to cabin cruisers and personal watercraft like Jet Skis or Sea-Doos.

Coverage Highlights

  • Liability Protection: Helps cover injuries or property damage caused while operating your boat.
  • Hull & Equipment Coverage: Insures your boat, motor, trailer, and gear against common risks.
  • On-Water Towing & Assistance: Optional coverage for breakdowns away from shore.
  • Winter Lay-Up Discounts: Ask us about seasonal savings for boats stored during off months.

RV, Camper & Travel Trailer Insurance

Wherever you park, make sure you're protected

Whether your RV is a weekend getaway or a full-time lifestyle, we offer coverage that fits your journey. Our RV insurance options go beyond auto policies to cover both the vehicle and your belongings inside. From Class A motorhomes to pop-up trailers, we’ll help you choose coverage that travels with you.

RV parked in a forest campsite with mountain backdrop.

Coverage Highlights

  • Collision & Comprehensive: Covers physical damage to your RV from accidents, weather, theft, or fire.
  • Personal Property Protection: Insures furniture, electronics, and gear stored inside your RV.
  • Vacation Liability: Provides liability coverage while parked at a campsite or RV park.
  • Full-Timer Options: Extra protection if your RV is your primary residence.
Man and woman ride ATVs outdoors, smiling. Bright sunlight.

ATVs, Snowmobiles & Off-Road Toys

Ride rough, rest easy

Whether you're hitting the trails near Riffe Lake or heading into snow country with your sled, we cover more than just the typical toys. Most standard home or auto policies won't cover off-road vehicles—so a separate recreational policy ensures you're protected.

Coverage Highlights

  • Off-Road Vehicle Insurance: Coverage for ATVs, UTVs, dune buggies, and more.
  • Snowmobile Insurance: Seasonal policies for snow machines used in winter areas.
  • Transport & Trailer Coverage: We can help you insure the trailer that hauls your toys, too.
  • Custom Equipment Options: Add-ons for lifts, lights, winches, and performance parts.

We Know These Toys Because We Insure Them All the Time

Get help from agents who understand recreational coverage

We specialize in protecting the fun stuff. Our team knows which companies offer the best rates for motorcycles, RVs, boats, and off-road gear. As independent agents, we’ll explain the coverage in simple terms and shop multiple carriers to get you a better deal.


From adding an umbrella policy to protect your liability across all vehicles, to bundling your recreational and auto insurance together, we’ll help you make smart choices that match how you actually use your vehicles.

Boats docked in a harbor at sunset with reflections in the water.

Answers for Every Rider, RVer & Boater

What You Need to Know About Rec Vehicle Insurance

We hear these questions often—and we’ve got clear answers

  • Is motorcycle insurance required in Washington?

    Yes. Since 2019, all motorcycle riders in Washington are required to carry liability insurance.

  • Will my auto insurance cover my RV?

    Not completely. Your auto policy may offer limited coverage, but full protection requires a dedicated RV policy.

  • Does homeowners insurance cover my boat?

    Only up to a certain size and value. Larger boats and personal watercraft typically need a separate boat insurance policy.

  • What affects the cost of powersports insurance?

    Your driving record, the value of your vehicle, safety features, and how often you use it all play a role. We help you find discounts where you qualify.

  • Can I bundle my rec vehicle policy with other insurance?

    Yes. Many carriers offer discounts for bundling with your home or auto insurance.

Enjoy the Ride, the River, or the Road—Fully Covered

Before your next adventure, let’s make sure you’ve got the right coverage for your favorite toys.