Before You Hit the Trails or Water: What You Need to Know About Insuring Your ATV, Boat, or RV
Here in Western New York, adventure comes with the territory. The second the weather breaks, you’re packing up the RV, hauling out the boat, or firing up the ATV for a weekend on the trails. But before you dive headfirst into the fun, let’s make sure you’re properly protected.
At Ellen Fenton & Company Insurance, we believe insurance should be simple, smart, and ready when you are. No jargon, no guesswork—just real coverage that fits your lifestyle.
Here’s what you should know before you head out:
ATV & Off-Road Insurance
Whether you’re trail riding, working your land, or enjoying backwoods weekends, ATVs are a blast—but also a liability. Most homeowners policies won’t cover off-property use or third-party injuries. A dedicated ATV policy protects you, your riders, and your investment—on or off the beaten path.
🔹 What to look for: Bodily injury liability, property damage, theft, and collision coverage.
Boat & Watercraft Insurance
Lake days are meant to be relaxing, not risky. From dock damage to fuel spills or injuries, boat insurance keeps you covered in case the unexpected hits. Even smaller personal watercraft (like jet skis) benefit from tailored protection.
🔹 What to consider: Navigational limits, onboard equipment, and whether your boat is trailered or docked.
RV & Camper Insurance
An RV isn’t just a vehicle—it’s often a second home. That means coverage needs to work a little harder. Whether it’s parked for the season or you’re road-tripping across state lines, we’ll make sure your motorhome or camper is fully insured for travel, liability, and personal belongings.
🔹 Worth noting: Renovations and customizations may need to be scheduled separately—let’s talk about what’s new since last season.
Let’s Keep It Simple
We know what it’s like to juggle busy weekends, gear lists, and everything in between. That’s why our team is here—to make sure your coverage is exactly what it should be, without the confusion.
From our offices in Ellicottville and Franklinville, we work with families and outdoor lovers across Western New York. Whether you’re renewing a policy or insuring a brand-new toy, we’re ready to help.
📞 Let’s talk before you take off.
You bring the adventure—we’ll bring the coverage.