Recreational Insurance

Covers a range of vehicles used mainly for your outdoor enjoyment!

Do you enjoy watersports such as boating, fishing, and jet skiing? Perhaps you’re driving your RV cross-country during the summer or planning a ski trip in the winter? If you enjoy taking in outdoor recreational activities and have a recreational vehicle, then you should consider Recreational Insurance.

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Insurance for All of Your Adventures

North Dakotans make the most of every season; boating on Lake Isabel, riding ATVs on your property, snowmobiling across prairie trails, and camping in Kidder County to Lake Sakakawea. Bowerman Insurance Agency offers recreational insurance tailored to how you play. These vehicles often need dedicated policies; homeowners or auto insurance do not automatically cover off premise risks, off-road incidents, or campground liability. Our team can help 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 help you with coverage that fits your gear and your season of use.

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Boats and personal watercraft

Physical Damage and Liability Coverage

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ATVs & UTVs AND BIKES & CYCLES

Off-road liability, comprehensive, collision and accessory coverage and more

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RV & campers

For your camping and home-away-from-home exposures

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Snowmobiles

For those risks on frozen trails 

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Local Agents Who Know the Season

We understand seasonal usage, lay-up options, and how carrier rules affect premium and claims. 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 riding can reduce premiums with certain carriers. 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.