Specialty personal lines cover the vehicles and property that home and auto policies leave out or cover only thinly: motorcycles, ATVs and snowmobiles, boats and personal watercraft, motorhomes and travel trailers, and collector vehicles. The NAIC notes that a personal auto policy will not cover motorcycles, ATVs, off-road vehicles or RVs. Triple-I says a homeowners policy may give limited property coverage for a small boat, motor and trailer but typically no liability, and that larger, faster boats and personal watercraft need their own policy. Valuation is a key difference from auto. Boat and collector policies are often written on an agreed value basis, where a total loss pays an amount set in advance, rather than actual cash value, which subtracts depreciation. Collector vehicle programs restrict use to shows, club events and occasional pleasure driving; Hagerty, for example, requires every licensed driver in the household to have a daily-use vehicle and prefers enclosed storage. Appetite depends on the type, age, value and horsepower or length of the item, its use and storage, the operator's experience and driving record, and for boats the navigation area and any hurricane exposure. Carriers set caps on value, boat length and horsepower, and on operator age. Hard placements include high-horsepower sport bikes with young riders, larger and older boats, liveaboards, and modified or high-value exotic cars. Agencies quote specialty lines mostly on carrier portals; some comparative raters include motorcycles, so check which lines your rater supports.
Carriers with published appetite
From each carrier's own public appetite guide or product pages. Appetite changes: confirm with the carrier before you submit.
Recreational vehicles — Motorsport: motorcycles (touring, cruiser, sport, scooter, trike, classic, custom), ATVs, UTVs, dirt bikes, golf carts, low-speed vehicles, e-bikes, snowmobiles and trailers, on full coverage or liability only. Accessories included at $3,000 for motorcycles and $1,000 for off-road units, optional up to $30K. RVs are not listed (Motorsport agent page, Oct 2026).
Recreational vehicles — Boat: ski boats, sailboats, bass boats, runabouts, pontoons, sportfishers, personal watercraft and performance boats up to 27 feet, 90 mph and $1M value. Yacht program takes vessels 27 to 64 feet and houseboats up to 100 feet (Boat agent page, Oct 2026).
Recreational vehicles — Collector Vehicle: classic, antique, muscle, street rod, race car, restoration in process, military, modified, replica, kit, exotic, fire engine and truck, on full coverage or comprehensive only. Available in most states; options include appreciation of value and automobilia (Collector Vehicle agent page, Oct 2026; product guide dated Oct 2022).
Recreational vehicles — Boat policy with agreed value loss settlement, boat equipment, watercraft liability, emergency towing and sunken boat recovery. Separate motorcycle, ATV and off-road, motorhome and RV, and trailer policies are also offered (Boat Insurance page and sitemap, Oct 2026).
Quote it through: Semsee, or the carrier portal
Recreational vehicles — Watercraft coverage for vessels up to and over 80 feet, with agreed value on a total loss, plus towing, wreck removal and search and rescue. Private Client auto can cover collector cars, motorcycles and motorhomes on one policy (Private Client page, Oct 2026).
Recreational vehicles — Motorcycle, including standard and sport bikes, dirt bikes and scooters and mopeds. Coverages include liability, guest passenger liability, collision, comprehensive, optional equipment for custom parts, replacement cost, roadside and rental reimbursement. Options vary by state (Motorcycle page, Oct 2026).
Recreational vehicles — ATVs, UTVs, side-by-sides and snowmobiles, with transport trailer physical damage, submersion, enhanced permissive use, guest passenger and optional equipment coverage. Coverages vary by state (ATV/UTV page, Oct 2026).
Recreational vehicles — Boat Protector covers powerboats, sailboats, houseboats, motorboats and personal watercraft but is not available in Kentucky. Motor homes go on an ERIE personal auto policy except in North Carolina, where they must be written on commercial auto. Travel trailers on an auto policy get physical damage cover while parked at a campsite (Boat Insurance and RV Insurance pages, Oct 2026).
Recreational vehicles — Foremost Choice motorcycle in Saver, Plus and Elite packages. Elite adds five years of replacement-cost total loss settlement, $5,000 optional equipment and $2,500 helmet and apparel. Motorcycles the owner rents out are eligible (Motorcycle agent page, Oct 2026).
Recreational vehicles — Motorhome, fifth-wheel and luxury motor coach policies (fifth-wheels and luxury coaches through a Foremost marketing rep). Full-Timer liability for owners living in the RV, campsite liability and total loss replacement for new models within five model years (Motorhome agent page, Oct 2026).
Recreational vehicles — Marine Choice boat program, which Foremost says fits more than 95% of registered boats, in Saver, Plus and Elite packages with specialized packages for personal watercraft, pontoons, classics and performance boats (Boat agent page, Oct 2026).
Recreational vehicles — Collectible Auto on agreed value, with options for automobilia, full glass, car covers and limited trailer and paddock coverage. J.C. Taylor is the managing general underwriter and agents quote at JCTaylor.com/agents (Collectible Auto agent page, Oct 2026).
Recreational vehicles — Collector vehicles for club events, shows, tours and occasional pleasure driving, never daily drivers. Every licensed household driver needs a daily-use vehicle insured in their own name. Mileage of 3,500 a year or less is generally fine and up to 7,500 may be considered; 1990s-and-newer vehicles at 5,000+ miles are declined. Enclosed storage preferred; streets, lots and public garages are declined, and driveway or carport storage is barred in CA and limited in FL, CO, HI and LA. DUI or reckless driving generally declines (Agent eligibility guidelines and Declines pages, Oct 2026).
Recreational vehicles — Small boats up to 27 feet and 100 mph of any age, in fiberglass, metal or wood, plus 100% electric boats (no gas-to-electric conversions). Agreed value, ACV, liability only or replacement cost for boats three years old and newer. Operators need 3+ years of driving and no more than two minor or one major violation in three years; one boating loss in three years max (Classic marine agent page, Oct 2026).
Recreational vehicles — Yachts over 27 feet up to 65 mph, high-performance boats over 27 feet at 65 to 85 mph, and classic wooden boats of any size. Boats over 27 feet and 10+ years old may need an out-of-water survey; owners need 3 years of experience with a comparable boat. Ineligible: boats over 27 feet kept on the coast from Texas to North Carolina, boats outside the US, racing, held for sale, over 100 mph (Classic marine agent page, Oct 2026).
Recreational vehicles — Motorcycle is one of the four product types agents start in Nationwide Express, alongside standard auto, property and umbrella (Nationwide Express FAQ, Oct 2026). Nationwide did not publish motorcycle size or rider eligibility limits.
Quote it through: Bold Penguin, Semsee, Tarmika Bridge, or the carrier portal
Recreational vehicles — Special lines cover motorcycles, ATVs, RVs and travel trailers, boats and personal watercraft, and snowmobiles, all quotable through independent agents per Progressive's agent page. Special lines are written in every state except DC (2025 Form 10-K).
Recreational vehicles — Quantum Boat 2.0 (July 2024) takes principal operators as young as 21 and first-time owners, covering personal watercraft, center consoles, pontoons, sailboats and classic boats; launch states AR, AZ, IN, ME, MN, MS, MO, OK, TN, TX. Quantum Yacht 2.0 (May 2025) covers watercraft 27 feet and longer; launch states CT, GA, IL, ME, MD, MA, NH, NJ, NY, VA. Both releases say more states are rolling out.
Quote it through: Tarmika Bridge, Semsee, or the carrier portal
Before you submit
- Year, make, model, VIN or hull number, and value with how it was determined
- For boats: length, hull material, engine type and horsepower, and navigation area
- Use and storage: pleasure only, annual mileage or hours, garage or slip location
- Operator names, dates of birth, years of experience and driving records
- Safety course completion for motorcycle and boat operators
- Photos and appraisals for collector vehicles and higher-value boats
Sources
- Triple-I: Boat insurance and safety
- NAIC: What does auto insurance cover?
- Triple-I: Personal watercraft insurance and safety
- Hagerty Agent: Eligibility guidelines
Updated Oct 30, 2026