RV, Boat & Recreational, everything in the garage.
Campers, travel trailers, bass boats, pontoons, jet skis, motorcycles, side-by-sides, and the classic under the cover. One agency, one renewal conversation, and carriers who actually specialize in this stuff, Foremost, Progressive, National General, American Modern, OpenRoad, and Hagerty for collectors.
The fun stuff is where coverage gaps hide.
Most people insure the house and the cars carefully, then assume the boat, the camper, and the side-by-side are somehow covered too. Usually they aren't, or not the way the owner imagines.
Georgia is a recreation state. Lake Chickamauga and Nickajack sit right up the road from our Ringgold office, Carters Lake and the Blue Ridge trails are an easy drive, and Clarks Hill runs along the South Carolina line near Augusta. Add the campers, the bikes, and the side-by-sides on the farm and the hunting lease, and there's a lot of value out there that isn't on the auto or homeowners policy.
Here's the part that catches people. Your homeowners policy covers watercraft only in very narrow circumstances, typically small, low-horsepower boats, often only on your own property, with token liability. It generally stops covering an ATV the moment it leaves your land. And your auto policy extends liability while you're towing a travel trailer but pays nothing toward damage to the trailer itself. Hail on a camper roof parked in the yard is a common Georgia claim and a common uncovered one.
The second thing worth knowing is agreed value versus actual cash value. A well-kept boat, a restored bike, or a classic car should be insured for a number you and the carrier agree to in advance, not for whatever a depreciation table says on the day it burns. Specialty carriers handle this properly; standard carriers frequently don't. We work with Foremost, American Modern, Progressive, National General, OpenRoad, and Hagerty, so we can put each unit with the market that actually understands it.
Coverage requirements reflect Georgia law as of 2026. Availability and policy terms vary by carrier, vehicle, and use. Nothing here is a quote or a guarantee of coverage.
Some of these the state mandates. The rest are on you.
Rules differ sharply depending on whether the thing has a license plate, a hull number, or neither.
Motorcycles & Trikes
Street-legal bikes are motor vehicles in Georgia and need the same liability limits as a car. Georgia also has a universal helmet law covering every rider and passenger regardless of age.
Motorhomes (Class A, B, C)
A self-propelled RV is registered and plated like a vehicle, so it carries the same liability requirement, but it needs an RV policy rather than a car policy to cover contents, attached equipment, and living use.
Boats & Personal Watercraft
Georgia requires registration with the Department of Natural Resources, not insurance. Marinas, slip contracts, and lenders usually require it anyway, and liability on the water is nothing to carry bare.
ATVs & Side-by-Sides
No state requirement for off-road use, and no meaningful homeowners coverage once the machine leaves your property. Theft off a trailer or out of storage is the claim we see most.
Travel Trailers & Fifth Wheels
Your truck's policy covers liability while towing and nothing else. Damage to the trailer, its contents, and liability while it's parked and lived in need a dedicated trailer policy.
Boater Education
Anyone born on or after January 1, 1998 must complete a Georgia DNR-approved boating safety course before operating a motorized vessel. It can appear as an anchor endorsement on your license, and it sometimes earns a discount.
The coverages worth understanding before you sign
On a boat policy, the ones that matter are agreed value versus actual cash value, on-water towing (a tow back to the ramp is expensive and rarely included by default), fuel spill liability, uninsured boater coverage, and how the policy handles the trailer and the outboard. Georgia has no requirement that the other guy on the lake carry insurance, which makes uninsured boater more relevant than people expect.
On an RV policy, the questions are how you use it, full time, seasonal, or weekends, plus personal belongings limits, emergency expense coverage if you're stranded away from home, roadside assistance sized for something that weighs fifteen tons, and full-timer liability if the RV is your residence. On motorcycles, given that Georgia has no no-fault PIP, medical payments and uninsured motorist are the ones we'd argue hardest for.
Not sure what's actually covered right now?
Send us what you own, the camper, the boat, the bikes, the side-by-side, and we'll tell you which ones have real coverage and which ones you only think do.
Eight ways Georgia owners lower a recreational premium.
Recreational policies have more discount levers than auto does, and most owners are using about half of them.
Keep it with the same agency as the home and auto
Multi-policy credits usually apply across recreational units too, and the discount often lands on the home and auto side as well. One agency also means nothing gets forgotten at renewal.
Ask about lay-up periods
Boats that come out of the water for the winter can be rated for a lay-up season at reduced premium. Same logic applies to seasonal RV and motorcycle use. If it isn't running December through February, say so.
Take the safety course
Georgia already requires boater education for anyone born on or after January 1, 1998, and motorcycle safety courses are widely available. Both frequently earn a discount, make sure the certificate actually reaches the carrier.
Store it somewhere secure
Enclosed, locked, or gated storage lowers theft exposure and premium. Side-by-sides and jet skis in particular are rated heavily on where they sit when nobody's using them.
Move the classics to a specialty carrier
Vintage bikes, restored trucks, and collector cars usually cost less through Hagerty's agreed-value program than through a standard auto policy, and they're insured for what they're actually worth.
Right-size the deductible per unit
You don't need the same deductible on a $4,000 jon boat and a $90,000 fifth wheel. Setting them individually rather than by habit usually finds savings.
Be accurate about use
Full-time RV living, chartering a boat, renting the camper out on a peer-to-peer site, or using a UTV commercially on a farm all change the exposure. Guessing wrong here is how claims get denied.
Re-shop after you sell or upgrade
People trade boats and campers far more often than houses, and policies get carried forward on autopilot with stale values. A quick review after any change usually corrects something.
Different toy, different carrier: we know which is which.
From a jon boat to a diesel pusher, from a Honda Ruckus to a numbers-matching restoration.
Motorhomes: Class A, B & C
Diesel pushers, camper vans, and over-cab Class C units. Full-timer liability, agreed value, personal belongings, emergency expense, and roadside assistance actually sized for the weight of the coach.
Ask about RV coverage →Travel Trailers & Fifth Wheels
Towables need their own physical damage coverage. The truck's policy won't pay for hail on the roof, a blowout, or theft from storage. Contents and vacation liability matter here too.
Ask about trailer coverage →Boats & Pontoons
Bass boats, pontoons, ski boats, and cruisers on Chickamauga, Carters, Allatoona, Lanier, and Clarks Hill. Agreed value, on-water towing, fuel spill liability, uninsured boater, plus trailer and motor coverage.
Ask about boat coverage →Jet Skis & Personal Watercraft
PWCs are stolen and damaged more often than owners expect, and they carry real liability exposure in crowded coves. Usually inexpensive to insure properly and rarely covered adequately without their own policy.
Ask about PWC coverage →Motorcycles & Trikes
Cruisers, touring bikes, sport bikes, adventure bikes, and scooters. Georgia requires 25/50/25 and a helmet for every rider, and because there's no no-fault PIP here, we push hard for medical payments and uninsured motorist.
See auto insurance →ATVs, UTVs & Side-by-Sides
Farm use, hunting leases, trail riding. Your homeowners policy stops at the property line, and these machines are stolen constantly. Liability matters more than most owners think once passengers are involved.
Ask about ATV coverage →Classic & Collector Vehicles
Restored trucks, muscle cars, vintage motorcycles, and antique tractors through Hagerty's agreed-value market, typically cheaper than a standard policy while insuring the vehicle for what it's genuinely worth.
Ask about classic coverage →Utility & Horse Trailers
Enclosed cargo trailers, equipment trailers, and horse trailers all need scheduled physical damage coverage. Common on north Georgia properties and almost always missing from the policy.
Ask about trailers →Weekend rider, seasonal camper, or full-timer?
How you use it changes the policy more than what it cost. Tell us how it actually gets used and we'll put it with a carrier that rates it that way.
Two offices, two corners of Georgia.
We're licensed across Georgia, and these are the two areas we know street by street, and lake by lake.
Ringgold: northwest Georgia
Our headquarters. Chickamauga and Nickajack are minutes away, Carters Lake and the Blue Ridge trails are an easy haul, and nearly every property up here has something on a trailer behind the house.
Call Ringgold: (706) 965-3709 →Augusta: east Georgia
Our second office covers the Augusta area and east Georgia, including boats and campers running Clarks Hill and the Savannah River. Mark Samaha and Lyndsey McCurry handle it.
Call Augusta: (706) 790-5350 →Not sure whether we can write where you live? Call either office. It takes about thirty seconds to answer, and we'll tell you honestly if you'd be better served elsewhere.
The questions Georgia owners actually ask us.
Straight answers, no sales script. Still have a question? Call (706) 965-3709. No hold music, no charge.
Is boat insurance required in Georgia?
No. Georgia doesn't require insurance to register a boat with the Department of Natural Resources. But plenty of marinas and slip contracts require liability coverage, and any lender financing the boat will require physical damage coverage.
Requirement aside, a boat is one of the easier ways to cause serious injury or property damage, and homeowners policies cover watercraft only in very limited circumstances.
Do I need a boating license in Georgia?
Georgia doesn't issue a boating license as such, but under the state's mandatory boater education law, anyone born on or after January 1, 1998 must complete a DNR-approved boating safety course before operating a motorized vessel on state waters.
Completion can now show up as an anchor endorsement on your Georgia driver's license. Some carriers also discount for a completed safety course, worth mentioning when we quote.
Doesn't my homeowners policy already cover my boat?
Barely. Most homeowners policies include a small amount of coverage for watercraft, typically limited to very small boats with low horsepower, often only while on your property, with minimal liability.
A bass boat, pontoon, or anything with a real outboard needs its own policy. The same goes for ATVs and side-by-sides: coverage off your own land is where the homeowners policy stops.
Is motorcycle insurance required in Georgia?
Yes. Motorcycles are motor vehicles in Georgia and carry the same liability requirement as a car, 25/50/25. Georgia also has a universal helmet law: all riders and passengers must wear an approved helmet, regardless of age.
Because Georgia has no no-fault PIP, we'd strongly encourage medical payments coverage and uninsured motorist on any bike. In a motorcycle accident, your own medical bills are the exposure that hurts.
What's the difference between agreed value and actual cash value?
Agreed value means the carrier and you settle on the boat's or RV's value up front, and that's what's paid on a total loss, no depreciation argument at claim time. Actual cash value pays what the unit was worth on the day it was destroyed, minus depreciation.
On a classic car, a restored motorcycle, or a well-kept boat, agreed value is usually the difference between a fair settlement and an insulting one. It's the first thing we check on a specialty quote.
Do I need insurance on a travel trailer or fifth wheel?
Your tow vehicle's auto policy extends liability while you're towing, but it does not cover physical damage to the trailer itself, not hail on the roof, not a blowout that shreds the sidewall, not theft from a storage lot.
A dedicated travel trailer policy handles the trailer, its contents, and liability while it's parked and being used as living space, which is where most trailer claims actually happen.
What is full-timer coverage on an RV?
If you live in an RV full time, a standard RV policy leaves a hole where your homeowners liability would normally be. Full-timer coverage adds personal liability, medical payments for guests, and higher personal belongings limits, essentially the homeowners half of the equation.
Tell us up front how you use the RV. Full time, seasonal, and weekend use are rated very differently, and a mismatch here is a claim problem waiting to happen.
Do I need coverage on my ATV or side-by-side?
Georgia doesn't require it for off-road use on private land, but two things catch people out. First, your homeowners policy generally stops covering an ATV once it leaves your property. Second, a UTV that gets used on a farm or a hunting lease can be a serious liability exposure.
Theft is the other common claim, side-by-sides are stolen from trailers and storage constantly, and they aren't cheap to replace.
Can I insure a classic car or vintage motorcycle for what it's worth?
Yes, and you generally should. Standard auto policies depreciate a collector vehicle, which is exactly backwards for something appreciating. Hagerty and similar specialty markets write agreed-value coverage for classics, often at a lower premium than the standard policy you're overpaying for.
The trade is usage restrictions, limited mileage, secure storage, no daily commuting. For a vehicle that lives in the garage most of the year, that's rarely a problem.
Can everything go on one policy?
Sometimes, and where it can't, it can at least go with one agency and one renewal conversation. Some carriers will schedule multiple recreational units together; others price a standalone policy better.
What matters more is that someone is looking at the whole garage, the boat, the camper, the two bikes, and the side-by-side, so nothing is quietly uninsured and every multi-policy discount is actually applied.
One call for everything on the trailer.
Tell us what you own and how you use it. We'll shop it across the specialty carriers, get agreed value where it belongs, and make sure nothing in the garage is quietly uninsured.