ATV & boat insurance for Colorado adventures.
Horsetooth, Carter Lake, Boyd Lake, and the trails out west, plus the equipment that makes them worth the trip. Recreational coverage that holds up when you're actually using it.
- ATV, UTV, and side-by-side coverage for trail and ranch use
- Boat and personal watercraft policies for Colorado lakes and reservoirs
- Liability, physical damage, medical payments, and towing coverage
- Bundle with auto or home for additional discounts
2023 · 2024 · 2025
two states
of experience
Fort Collins, CO
Coverage Built for How You Actually Use It
A boat on Horsetooth or an ATV on a Forest Service trail is doing exactly what you bought it for. The trouble is that most standard policies stop covering it the moment you take it out.
At the Thompson Insurance Agency, we write ATV insurance and boat insurance that covers the equipment in actual operation, not just in storage. We're a family-owned Fort Collins agency serving riders and boaters across Loveland, Windsor, and Northern Colorado since 1969, licensed in Colorado and Wyoming.
What your recreational policy covers.
Every Thompson recreational policy is built from these core coverages.
Liability Protection
Provides financial protection if you're responsible for injuries or property damage while operating your ATV or boat.
Physical Damage Coverage
Helps repair or replace your equipment after a covered loss, including collision, theft, hail, fire, and water damage.
Medical Payments Coverage
Helps cover medical expenses for you and your passengers after a covered accident, no matter who's at fault.
Uninsured & Underinsured Coverage
Provides protection when the person at fault doesn't carry enough insurance, or any insurance at all.
Towing, Recovery & Trailer Coverage
Covers on-water towing and fuel delivery, trail-side recovery, your gear, and the boat trailer itself.
Why a standard policy usually isn't enough.
Most homeowners and auto policies cover recreational vehicles only while they're stored or being towed, not during actual operation. That's the gap. Here is where it shows up most often in Northern Colorado.
Powerboats and PWCs on Horsetooth, Carter, and Boyd.
Boats on Colorado reservoirs carry real exposure, from water-skiing collisions and dock damage to propeller injuries and theft at the ramp. A standalone boat policy covers all of it cleanly.
ATVs and UTVs on Forest Service trails.
The trail systems west of Fort Collins and up around Red Feather and Cameron Pass see heavy ATV traffic. Rollovers, trailer damage, and multi-vehicle accidents are common, and a standard auto policy excludes all of them.
Jet skis and personal watercraft.
Personal watercraft see more claims than any other recreational vehicle. They are fast, they get loaned to friends and family, and collisions happen at the ramp and on busy weekend afternoons. The exposure is real and the coverage is straightforward.
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) 482-5100Recreational coverage for Colorado. Quote in minutes.
Tell us what you ride or float. We'll build a policy that covers it in actual operation, not just in storage, and bundle it with your other coverage where that makes sense.
2108 Milestone Dr · Fort Collins, CO 80525