Recreational Insurance for Boats, RVs & ATVs

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Insurance for All of Your Adventures

North Dakotans make the most of every season; boating the Missouri River in Bismarck, riding ATVs near Jamestown, snowmobiling across prairie trails, and camping from Kidder County to Lake Sakakawea. Bowerman Insurance Agency offers recreational insurance in North Dakota tailored to how you play. These vehicles often need dedicated policies; homeowners or auto insurance may not fully cover on-water risks, off-road incidents, or campground liability. Our local team in Steele and Bismarck helps you compare carriers and get the right protection for your toys, so your next weekend is all about the fun.

Coverage Options for Every Toy

From summer watercraft to winter machines, each category carries unique risks; and Bowerman Insurance Agency can match you with coverage that fits your gear and your season of use.

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Boats and personal watercraft

Face on-water liability and hull damage

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ATVs and UTVs

Need off-road liability and accessory coverage

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RV & campers

Combine auto and "home-away-from-home" exposures

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Snowmobiles

Face crash and injury risks on frozen trails

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Local Agents Who Know the Season

In North Dakota, storage months matter as much as riding months. We understand seasonal usage, lay-up options, and how carrier rules affect premium and claims. As an independent agency, we can also look for multi-policy savings when you bundle eligible toys with your home and auto. With Bowerman Insurance Agency, you get advice from neighbors who actually live in weather and road conditions you face.

Ride Smart, Spend Less

Completing recognized safety courses for boating or ATV riding can reduce premiums with certain carriers. Logging your RV mileage and using anti-theft devices may help, too. Ask us about agreed value vs. actual cash value for higher-value watercraft, and about coverage for accessories like sled trailers, winches, and custom wheels.

Answers Before Your Next Trip

  • Does homeowners cover my boat or ATV?

    Basic homeowners policies may offer limited coverage at home, but not full on-water or off-road protection. A separate policy is recommended.

  • Can I bundle my RV or boat with auto?

    Often yes, certain carriers allow bundling for additional savings. We'll compare options.

  • What if I only use my camper part of the year?

    There are seasonal and storage-period options; we'll tailor your policy to your usage.