Recreation Vehicle Insurance

for Every Adventure

Protect your "Toys" From River, Road, to Trail

Recreation means more than weekends-it's a lifestyle. Whether you're boating on the river, camping at your favorite lake, or snowmobiling on those winter trails, you want to play hard and protect your investment. We can offer the coverage you need, and with carrier comparisons, for all your powersports, watercraft, and "toys."

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Why You Need Recreation Policies

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Recreational vehicles face unique risks (theft, collision, liability, weather, storage damage)

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Policies are tailored for how you use each "toy"-with options like total loss replacement, roadside/towing, accessory and gear coverage

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Gateway has multiple carriers to find the best match for your “toys”, whether it’s for year-round or seasonal use

Menu of Recreational Vehicle Coverage

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Motorcycles & Scooters

On-road and off-road-liability, collision, custom parts/accessory coverage

Couple riding a red ATV on a trail. They are wearing warm clothes, with trees in a fall setting.
ATVs & UTVs

Trail use, ranch work, or fun-protection for your ride, gear, and passengers

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Snowmobiles

Winter adventures, with optional storage/lay-up credits

Boat docked on a lake, with a backdrop of mountains and trees under a cloudy sky.
Boats & Personal Watercraft

From fishing boats to jet skis-coverage for hull, trailer, and liability

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E-bikes & Bicycles

Coverage for theft, damage, and liability (where eligible)

Bundle All Your "Toys" with Our Team

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Manage all recreational policies through Gateway

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Multi-policy and bundle discounts available

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Ask us to coordinate with your home, auto, or umbrella for total protection

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Contact our licensed, local team in Bismarck, call or text us at 701-223-5812, email us at insurance.services@gateway-inusrance.com or stop in!

Recreation Insurance-Questions Answered

  • What does recreation vehicle insurance cover?

    It can cover physical damage, liability, towing, gear/accessories, and more.

  • Do I need separate insurance for a camper or boat?

    Yes-most auto/home policies won't fully cover campers, RVs, or watercraft. Standalone or bundled policies are available.

  • Can I bundle my boat, RV, and motorcycle insurance?

    Depending on the company, Gateway helps package all your "toys" together for savings and simplicity.

  • What's the difference between RV insurance and auto insurance?

    RV policies offer extras like vacation liability, personal property, and campsite coverage, these are not included in regular auto policies.

Insure the Fun! Give us a Call for Every Adventure

Don't let insurance details slow you down. Let Gateway Insurance review, quote, and bundle coverage for all your recreational vehicles. Enjoy the season with peace of mind-wherever the trail, road, or river takes you.