ATV’s, Snowmobiles and Watercraft

As outdoor enthusiasts, we understand the importance of protecting your investments while you enjoy your adventures on land and water. That’s why we offer comprehensive and customizable insurance policies for all your outdoor recreational vehicles, including ATVs, Snowmobiles, Trailers and Watercraft.

Here are just a few reasons why you should choose our McClelland Insurance for your recreational vehicle coverage:

  • Comprehensive coverage: We offer insurance coverage for all types of recreational vehicles, including ATVs, Snowmobiles, and Watercraft. Our policies include liability coverage to protect you in case of accidents, as well as coverage for collision, theft, and other damages
  • Customizable policies: We understand that every outdoor enthusiast is unique, and that’s why we offer personalized policies that fit your specific needs and budget. Whether you use your recreational vehicles for work, hunting, or leisure, we have a policy that will meet your needs.
  • Competitive rates: We work with multiple insurance providers to offer you the best possible rates and discounts. We will help you find a policy that fits your budget
  • Fast claims processing: In the event of an accident or damage to your recreational vehicle, we will process your claim quickly to get you back on the road or water as soon as possible


Don’t let accidents or unexpected events ruin your outdoor adventures. Contact us today to learn more about our insurance coverage for ATVs, Snowmobiles, and Watercraft, and to get a free quote. We are committed to providing you with the best possible coverage at an affordable price.

Key Coverage

Common Claims

For ATVs:

  • Collision damage: Collisions with other ATVs, vehicles, or stationary objects can result in significant damage to the ATV and require expensive repairs
  • Theft: ATVs are often targeted by thieves due to their high resale value, and the cost of replacing a stolen ATV can be significant

For Snowmobiles:

  • Collision damage: Collisions with other Snowmobiles, trees, or other objects are a common cause of damage and can require expensive repairs
  • Theft: Snowmobiles are often stored outside or in remote locations, making them vulnerable to theft

For Watercraft:

  • Collision damage: Collisions with other boats, docks, or underwater obstacles can cause significant damage to the watercraft and require expensive repairs
  • Capsizing or sinking: Accidents can cause the watercraft to capsize or sink, resulting in significant damage or even a total loss


Depending on where you live and what you’re insuring, insurance isn’t always mandatory, however the liability and damages that occurs when there is an event can be extremely costly and can be legally challenging.

We work with multiple partner carriers to get you the best flexibility out of your insurance, and can accommodate most consolidated and bundling needs

Though there may be some discounts, carriers that say they can offer seasonal coverage don’t really offer it. For example, A hypothetical winter policy for a snowmobile would end up costing the same as an annual one. Policies of this type are usually year-round and are annualized regardless.