Specialty Vehicle Insurance: Boats, ATVs, and Motorcycles in Arkansas
Standard auto insurance doesn’t cover boats, all-terrain vehicles (ATVs) or motorcycles. Each of these vehicles comes with unique risks and requires tailored coverage.
Boat Insurance
State laws require boaters to carry liability insurance for motorboats and personal watercraft. Many marinas also require coverage.
Boat insurance can help cover:
- Physical damage to your boat, motor and trailer
- Liability for injuries or property damage
- Theft and vandalism
- Towing and assistance
- Pollution and fuel spill coverage
Some homeowners policies offer limited boat coverage, but it’s often not enough. A dedicated boat insurance policy can help ensure you’re covered whether your vessel is in storage, docked or cruising.
Motorcycle Insurance
Arkansas law requires liability coverage for motorcyclists. If you finance or lease your bike, the lender typically requires full coverage insurance.
Motorcycle insurance can also include:
- Collision and comprehensive coverage
- Personal injury protection
- Uninsured/underinsured motorist coverage
- Custom parts and equipment protection
- Gap insurance
If you ride year-round or store your bike during winter, we can help adjust your policy to fit your lifestyle and budget.
ATV Insurance
ATVs are popular in rural Arkansas, especially for hunting, farming and recreation. While not required by law for off-road use, ATV insurance is highly recommended.
ATV coverage may include:
- Damage to your ATV from accidents, fire or theft
- Liability for injuries or property damage
- Medical payments for you and your passengers
- Coverage for trailers and accessories
If you ride on public lands or participate in organized events, liability coverage is essential.
Umbrella Insurance
Umbrella insurance can help extend the limits of your existing liability policies. If a severe incident or accident exceeds your underlying policy’s liability limits, umbrella coverage can bridge the gap. Your agent can help determine whether this coverage is appropriate for your situation.
Let’s Customize Your Coverage
Every specialty vehicle owner has different needs. At Sunstar Insurance of Arkansas, we take the time to understand how you use your vehicles and recommend coverage that fits your lifestyle.
Contact us today to review your specialty vehicle insurance and make sure you’re covered for every adventure Arkansas has to offer.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.