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PRODUCT - 08 / Recreational Coverage

ATV & boat coverage for Colorado adventures.

Horsetooth, Carter Lake, Boyd Lake, the trails out west - and the toys that make them worth the trip. Recreational coverage that holds up when you actually use the equipment.

  • ATV, UTV, and side-by-side coverage for trail and ranch use.
  • Boat and personal watercraft policies for Horsetooth, Carter, Boyd, and beyond.
  • Liability, collision, comprehensive, and on-water/off-trail towing.
  • Bundle with auto or home for additional discounts.
Get my atv-boat quote Call (970) 482-0078
ATV & Boat Insurance hero photoatv-boat-insurance-hero.png
Top 3
BestOfNoCo
2023 · 2024 · 2025
CO & WY
Licensed agents
two states
75+
Combined years
of experience
1969
Agency lineage
Fort Collins, CO
ATV & Boat Insurance overview

What atv & boat insurance actually pays for.

Thompson Insurance Agency provides recreational-vehicle insurance for Colorado and Wyoming residents - ATVs, UTVs, side-by-sides, motorboats, personal watercraft (jet skis), and small fishing craft. Standard auto and home policies typically do NOT cover these vehicles when they're in actual recreational use. A dedicated policy is the right answer for anyone who actually rides or boats. Voted Top 3 in Northern Colorado three consecutive years. Licensed in Colorado and Wyoming. To get a quote, call (970) 482-0078.

The most common gap we see: a homeowners policy covering a boat or ATV while stored, but excluding any operation. That means a single afternoon on Horsetooth or up at Red Feather can leave you completely uninsured. A dedicated recreational policy closes that gap for a fraction of what people expect.

What's covered

Five layers for ATV and boat policies.

ATV and boat policies look similar in structure - liability, physical damage, uninsured/underinsured, and recreation-specific add-ons. Here's what each layer does.

01 - Core

Liability

Protects assets

Pays for injury or damage you cause to others while operating the vehicle. Required if you trailer your boat on Colorado roads or operate an ATV on shared trail systems. Like with auto, higher limits cost very little.

Typical limit: $100,000-$300,000.
02 - Standard

Physical Damage (Collision + Comprehensive)

For the equipment

Pays to repair or replace the ATV/boat after a covered loss - collision, theft, hail, fire, vandalism, water damage. Critical given how easily an ATV can roll or a boat can take damage at the dock.

Typical deductible: $500.
03 - Recommended

Uninsured/Underinsured Boater (Boat) / UM-UIM (ATV)

Critical

Pays your medical bills and damages when the at-fault party has no insurance. Common in recreational settings - not everyone on the water or on a trail is carrying coverage.

Match liability limits.
04 - Add-on

On-water Towing / Trail Roadside

Recovery coverage

On-water towing for boats (your engine quits in the middle of Horsetooth), trail-side recovery for ATVs. Inexpensive and well worth it when needed.

Typical add-on cost: $50-$150/yr.
05 - Add-on

Personal Effects

Gear + electronics

Tackle, water-ski equipment, fishing gear, helmets, riding gear - scheduled separately so a single incident doesn't deplete your homeowners deductible.

Typical limit: $1,000-$5,000.
Colorado rec context

Why a standard policy usually isn't enough.

Most homeowners and auto policies cover recreational vehicles only while stored or being towed - NOT during actual operation. That's the gap. Three places it shows up most often in NoCo.

01 - Horsetooth

Powerboats and PWCs on Horsetooth, Carter, Boyd.

Boats on Colorado reservoirs run real risk - water-skiing collisions, dock damage, propeller injuries, theft from the boat ramp. Standalone boat insurance covers all of it cleanly.

$500 Typical comprehensive deductible
02 - Trails

ATVs and UTVs on Forest Service trails.

Trail systems west of Fort Collins and up around Red Feather and Cameron Pass see real ATV traffic. Rollovers, trailer damage, and multi-vehicle accidents are common - all of them excluded from a standard auto policy.

Excluded From most auto policies
03 - PWC

Jet skis and personal watercraft.

PWCs have the highest claim frequency of any recreational vehicle - they're fast, often borrowed, and collisions are common at the boat ramp and on busy weekend afternoons. Insurance is cheap; not having it is expensive.

High Claim frequency on PWCs
ATV & Boat FAQ

Questions we get a lot.

If your question isn't here, call us — we'd rather answer it on the phone than read about it in a help center.

Call (970) 482-0078
Yes, in almost every case. Standard auto and homeowners policies typically cover recreational vehicles only while stored or being towed - they exclude operation. The moment you put it in the water or take it on a trail, you're uninsured unless you have a dedicated recreational policy.
For a typical bass boat or pontoon valued $20,000-$50,000, annual premiums usually run $400-$900 depending on age, value, where you store it, and your operating record. Personal watercraft policies (jet skis) often run $200-$400 per year per craft. We'll quote a real number based on your specific equipment.
Colorado does not require liability insurance for ATVs operated solely on private property, but most Forest Service, BLM, and county trail systems require proof of liability coverage. Operating on any public road or trail without coverage exposes you to serious legal and financial risk.
Yes. Recreational policies often qualify for the multi-policy bundle discount when paired with your auto, home, or umbrella policy. We'll structure the bundle to maximize the discount across all of them.
Ready when you are

ATV and boat insurance for Colorado adventures.

Tell us what you ride or float. We'll structure a policy that covers it for actual operation - not just storage - and bundle it with your other coverage where it makes sense.

Call the agency
(970) 482-0078
Mon-Fri · 8 a.m. - 5 p.m.
2108 Milestone Dr · Fort Collins, CO 80525
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