Recreational Insurance

Whether you’re insuring an ATV, Snowmobile, RV, Trailer, Motorcycle, Personal Watercraft, Sailboat or Yacht, we have a policy for you. We have partnered with many industry leading insurance companies to provide competitive packages for any of your toys.

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We all work hard in order to enjoy our freedom time and in order to enjoy that time away from work, we will buy toys, getaway places, boats, or even snowmobiles. These types of indulgences can come with a hefty price tag or open you up to other liability issues.

It is important to protect your property that delivers enjoyment as much as you would protect your other assets. When it comes to RV's or watercraft; they might even be worth more than your vehicle. When purchasing your recreational assets it was a big decision on which one to go with, but most people tend to think of insuring that precious new purchase at the last minute. Insuring your most valued possessions should be one of your first thoughts as it could save you a lot of headaches and internal agony down the road.


Types of Recreational Policies Available

ATV / Quad Insurance

If your four-wheeler is new or has a few hard earned kilometers on it, it's still worth having it insured. Insuring your ATV is not just about insuring the physical damage or theft, but protecting yourself while your on the trail. One important thing to remember, is that the owner as well as the driver is liable for injury or property damage arising out of the operation of the off-road vehicle.

ATV Insurance Packages

ATV Insurance is very similar to the auto insurance offered in Ontario. If you use your ATV on public property or to cross public roads, you must have it insured by law in Ontario.

You can expect coverage highlights such as:

  • Collision Coverage
  • Comprehensive Coverage
  • Bodily Injury Liability
  • Property Damage Liability

Read More about insuring your ATVs, Snowmobiles, and Argos on our blog or contact us to help you tailor a policy to your specific to your needs.

Boat / Watercraft Insurance

Boat Insurance Packages

If you're Canadian, there is a good chance you enjoy being out on the beautiful lakes that Canada has to offer. If you have a fishing boat, speed boat, or even a jet ski, we have the right coverage for you. There are many ways to insure your watercraft, but they are not all equal. You can add your watercraft to your homeowners policy (not suggested ), or you can search out a specialty insurer which focuses on insuring boats.

As licensed insurance professionals, our job is to scour through legal texts to see what policies are better than others by examining the exclusions and coverages. Over the years it has become very apparent that your boat is going to have better protection with a specialty insurance company who understands the situations that arise as a boat owner. Using our experience as watercraft owners and insurance professionals, we believe we can find the right coverage for your needs.

Read More about insuring your watercraft's on our blog or contact us to find a policy that suits your individual needs.

Motorcycle Insurance

Motorcycles are for the carefree and adventurous souls, let your motorcycle insurance allow you that freedom.

Motorcycle Insurance Packages

It's not a secret that motorcycles are statistically more dangerous than cars and this creates a problem obtaining affordable insurance for your bike.

Motorcycle insurance premiums will vary significantly from one insurance company to the next. For this reason, it is important to get quotes from multiple insurance companies to find the right policy for your needs. A licensed insurance broker will be able to shop your motorcycle policy amongst multiple insurance companies at once to find the best combination of premium and coverage. With every insurer having different rules for the cc limits, motorcycle types, rider experience, and even motorcycle brands, it is important to obtain the services of an experienced insurance broker to ensure you are getting a fair premium and have the appropriate coverage for your usage.

There are a number of extra endorsements for motorcycle policies that even experienced riders may not be aware of ranging from personal protective equipment coverage to coverage for your motorcycle accessories (after-market accessories).

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Sailboat / Yacht Insurance

Sailboats and Yachts are not the same as fishing boats, and they shouldn't be insured as one.

Sailboat Insurance Packages

If you currently have your sailboat insured, you should know there could be exclusions on your policy that could effect you on every trip. Most watercraft insurance policies have navigational limits and exclusions like spinnaker flying, gradual deterioration, or even vermin.

With those exclusions in mind, it is important to choose the right policy for how you use your sailboat or yacht. Not every company will exclude spinnaker flying and some companies will offer extended navigational limits. It is important to know what is available to you, and what policy is the best fit for your water adventures.

Read More about insuring your sailboat or yacht on our blog or contact us to find a policy that suits your individual needs.

Snowmobile Insurance

Snowmobile Insurance

We know that every snowmobile or snowmobiler are unique and we think your coverage should be as well. There is a big difference between the snowmobiler who trot around their backyard to the snowmobiler who rides the trails.

Having an experienced insurance broker explain what the coverages on your snowmobile are and when they would cover you is critical. Knowing who can ride your snowmobile and if there is any restrictions on age or license is equally important. If you are just now realizing you may have more questions than answers when it comes to your snowmobile insurance. Call us today to get the answers you need to know.

Trailer / RV Insurance

Everyone deserves a getaway from their everyday life. Having your trailer or RV properly insured will alleviate some of the stress your trying to leave behind.

RV and Trailer Insurance

Having recreational vehicle insurance that provides the peace of mind of being properly covered is priceless. Luckily for you, we are also thinking of the bottom line of your trailer insurance. From 5th wheel trailers to tent trailers, we have a policy that will protect your asset properly.

Due to the vast amount of trailer types on the market today, we have a vast amount of coverage options available. Don't let the options confuse you as this is why an insurance broker is important to help you navigate your way through the options.

You can expect coverage options such as:

  • Guaranteed Replacement Cost
  • Disappearing Deductible
  • Roadside Assistance

Contact us to find the policy that fits your trailer.


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