RV, Boat & Watercraft Insurance
Coverage for the Road Trips, Getaways, and Time on the Water You Love
Your RV, boat, or watercraft isn’t just another vehicle—it’s how you relax, travel, and make memories. At Barrett Insurance, we help protect those investments with coverage designed for how you actually use them.
As an independent agency, we work with insurance companies that specialize in recreational coverage. That means policies built by people who understand life on the open road and on the water—and claims handled by adjusters who know these vehicles inside and out.
We’ll help you choose coverage that fits your lifestyle, whether you’re a weekend traveler, seasonal boater, or full-time adventurer.
RVs & Travel Trailers
Protection That Travels With You
From motorhomes and travel trailers to fifth wheels and campers, RV insurance goes beyond a standard auto policy. The right coverage helps protect your RV, your belongings, and your liability—wherever the road takes you.
Common RV coverage options may include:
Total Loss Replacement Cost
Helps protect you from depreciation by replacing a qualifying newer RV or travel trailer with a comparable new model if it’s totaled.
Towing & Roadside Assistance
24/7 coverage throughout the U.S. and Canada, so help is always available when you need it.
Full-Timer Coverage
Provides liability protection similar to a homeowners policy when your RV is used as a primary residence.
Personal Property Coverage
Protects belongings inside and outside your RV, with replacement cost options available.
Campsite & Vacation Liability
Covers liability when your RV is parked and being used as a temporary residence or vacation site.
Emergency Expense Coverage
Helps pay for lodging or travel home if your RV is damaged by a covered loss while you’re away from home.
Professionally built tiny houses may also be eligible for coverage, subject to approval.
Boat & Watercraft Insurance
Confidence on the Water
Whether you enjoy quiet mornings on a lake or long days cruising the coast, boat and personal watercraft insurance helps protect you from unexpected expenses on and off the water.
We work with carriers that offer flexible coverage packages—so you can choose the level of protection that makes sense for your boat, how you use it, and where you take it.
Coverage options may include:
Total Loss Replacement Cost
Helps replace a newer boat after a covered total loss, reducing the impact of depreciation.
Personal Property Coverage
Covers items such as fishing gear and onboard equipment, often at replacement cost.
Liability Coverage
Helps protect you if someone is injured or property is damaged while you’re operating your boat.
Industry-Leading Extras
Options may include watersports liability, wreck removal, pollution liability, boat lift coverage, hurricane haul-out, trip interruption, pet coverage, and more.
Ways to Save
Many insurers offer discounts that can help lower the cost of RV and boat insurance. Depending on the policy and carrier, savings may be available for:
- Multi-policy bundling
- Loss-free history
- Safety courses
- Protective devices
- Seasonal or lay-up periods
- Paid-in-full policies
- Insured age or experience
We’ll review all available discounts and make sure you’re getting the best value for your coverage.
Why Work With Barrett Insurance?
Specialty insurance can get complicated—but it doesn’t have to be. At Barrett Insurance, we take the time to explain your options, compare coverage across multiple carriers, and help you choose a policy that truly fits your lifestyle.
When you have questions—or when something goes wrong—you’ll talk to someone who knows you and your policy.
Request a Quote
Ready to protect your RV, boat, or watercraft?
