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Recreational-VehiclesWatercraft

Recreational vehicles, boats, motorcycles and ATV’s are a part of an adventurous lifestyle. So why not stay protected while you have fun? Recreational vehicle, motorcycle, ATV and watercraft insurance provides coverage for losses to or caused by your fun-time vehicles. At Hortica, we will work with you to find the best deal for your lifestyle and your wallet.

RV’s eligible for coverage include:

  • Motor homes
  • Camper vans
  • Travel trailers and pop-ups
  • Fifth wheels
  • Toy haulers
  • Slide-in truck campers

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Coverage options include:



  • Bodily injury – for injuries you are responsible for

  • Property damage – for damage to property you are responsible for

  • Personal injury protection and medical payments – for medical expenses of you and your passengers injured in an accident no matter who is at fault

  • Uninsured and underinsured motorists – for injuries resulting from the negligence of uninsured or underinsured drivers

  • Comprehensive – for damage to your vehicle resulting from a cause other than collision

  • Collision – for damage to your vehicle resulting from a collision with another vehicle or object

  • Audi-visual equipment (for additional AV equipment such as stereos, televisions, and satellite equipment)

  • Custom equipment (for awnings, special decals, added tool boxes, etc.)

  • Roadside assistance (for towing, changing a flat, delivering fuel)

  • Emergency assistance (for temporary living expenses and transportation costs if you can’t stay in your RV)

  • Vacation liability


Boats and watercraft eligible for coverage include:



  • Fishing boats

  • Bass boats

  • Bowriders

  • Cabin cruisers

  • Center consoles

  • Cuddy Cabins

  • Deck boats

  • Fish & skis

  • Personal watercraft

  • Pontoon boats

  • Sailboats

  • Yachts

  • Tenders


Coverage options include:



  • Bodily injury – for injuries on the water for which you are responsible

  • Property damage – for damage to property you are responsible for

  • Medical payments – for medical expenses of you and your passengers injured in an accident no matter who is at fault

  • Uninsured and underinsured boaters – for injuries resulting from the negligence of uninsured or underinsured boaters

  • Physical damage – for damage to your boat or personal watercraft

  • Agreed value – know exactly what you will receive in the event of a total loss of your boat or personal watercraft

  • Clean up of fuel spills and wreckage

  • Personal effects coverage – for fishing equipment and other personal property

  • Unattached equipment – for water skis, anchors, safety equipment and marine electronics

  • Emergency assistance – towing (on-water) and delivery of fuel, oil or battery in the event your boat becomes disabled


Motorcycles and ATV’s eligible for coverage include:



  • Cruisers

  • Touring

  • Sport touring

  • Dirt bike

  • Motocross

  • Scooters

  • Mopeds

  • Utility ATV’s

  • Sport ATV’s

  • Snowmobiles

  • Golf carts

  • Segway’s


Coverage options include:



  • Bodily injury – for injuries for which you are responsible other than guest passengers

  • Property damage – for damage to property you are responsible for

  • Guest passenger liability – for injuries to guest passengers that you are responsible for

  • Uninsured and underinsured motorists – for injuries resulting from the negligence of uninsured or underinsured drivers

  • Comprehensive – for theft or damage to your motorcycle or ATV other than caused by a collision

  • Collision – for damage to your motorcycle or ATV resulting from a collision with another vehicle or object

  • Medical payments – for medical expenses of you and your passenger injured in an accident no matter who is at fault

  • Custom parts and equipment – for extra chrome, custom paint and accessories you add to your bike


You know Hortica as a trusted business partner. Why not let us go the extra mile for you and your family? We are here to help – to answer all of your questions and assist in putting your concerns to rest should an accident occur with your RV, boat, motorcycle or ATV. Adventurous people seek recreation and relaxation in different ways and we want to help you find the best insurance policy that best fits your lifestyle and needs.