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Our approach
Idaho's backcountry, desert trails, mountain passes, and lake shores are made for the machines you ride on weekends. But those machines create liability and property exposure that your auto and homeowners policies weren't designed for. A motorcycle accident, an ATV rollover on a Boise Foothills trail, or a motorhome collision each present unique risks that need their own coverage.
We place standalone recreational vehicle policies from carriers who specialize in this stuff. Proper liability limits, comprehensive and collision, custom parts and equipment coverage, and roadside assistance designed for the type of vehicle you actually own. We also tie everything into your personal umbrella so one liability layer covers your car, your home, your boat, and your toys.
coverage
Motorcycle
Liability, collision, comprehensive, uninsured motorist, medical payments, and custom parts coverage. Some carriers include gear and apparel coverage too. Your auto policy doesn't cover your bike. Period.
ATV / UTV / side-by-side
Liability and physical damage for off-road vehicles. Covers trail riding, farm use, and recreation. If you run trails in the Owyhees or use a UTV on your property, you need this. Your homeowners only covers liability on your own land.
Snowmobile
Liability, physical damage, and accessory coverage for snowmobiles. McCall, Donnelly, Stanley. If you ride in Idaho's backcountry in winter, a standalone policy covers you where your other policies don't.
RV and motorhome
Full coverage for Class A, B, and C motorhomes including liability, collision, comprehensive, personal effects, vacation liability, and emergency expenses. It's your home on wheels. The coverage should reflect that.
Travel trailer and fifth wheel
Physical damage and liability for towable RVs. Covers the trailer and your personal belongings inside it. Separate from your tow vehicle policy.
Custom parts and seasonal storage
Aftermarket exhaust, custom paint, performance mods, specialty equipment. We cover it at its actual value. And during off-season, lay-up coverage maintains protection at reduced cost while your vehicle is stored.
We inventory your toys
Every motorcycle, ATV, snowmobile, and RV. We assess each one for proper coverage including custom parts and seasonal use patterns.
We place specialized coverage
Standalone policies from carriers that specialize in recreational vehicles. Not generic auto add-ons that leave gaps.
We tie it into your umbrella
Your recreational vehicles connect to your personal umbrella for excess liability protection. One layer covering everything.
Idaho is built for adventure. Your coverage should be too.
The machines you ride carry real risk. We place standalone coverage from carriers who actually understand recreational vehicles and make sure everything coordinates with your personal umbrella.
What Business Owners Ask Us Most
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Let's get your toys covered properly.
Tell us what you ride and we'll place standalone coverage from carriers who specialize in it.
We'll be in touch within 24 hours. That's not aspirational. It's a guarantee.
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