Recreational Insurance in Idaho, ID

Adventure Starts with the Right Coverage

Whether you're cruising down backroads or floating through open waters, Castle Lake Insurance helps Idaho adventurers protect the vehicles and gear that make it all possible. Our recreational insurance options offer peace of mind—on land, water, or snow.

What Our Recreational Insurance Covers

A family is sitting on the porch of their house next to a swimming pool.

RV Insurance

Protect your motorhome, camper, or travel trailer from accidents, theft, and roadside mishaps. Includes liability, collision, and comprehensive options for full-time or seasonal use.

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Watercraft Insurance

Coverage for personal watercraft (PWCs) like Jet Skis and WaveRunners, including liability, towing, and damage from accidents or submersion.

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Boat Insurance

Covers boats of all types—from fishing boats to pontoons. Options include on-water towing, fuel spill liability, and coverage for trailers and equipment.

A family is sitting on the porch of their house next to a swimming pool.

Yacht Insurance

Specialized protection for larger vessels, including hull damage, personal liability, crew coverage, and international navigation zones.

A family is standing in front of a door in a hallway.

Off-Road Vehicle Insurance

Protects ATVs, dirt bikes, dune buggies, and side-by-sides—on trails, in the mountains, or on private property. Includes property damage and liability options.

Two men are standing in a kitchen talking to each other.

Snowmobile Insurance

Stay covered while riding Eastern Idaho’s snowy backcountry. Includes coverage for collisions, injuries, trailering, and theft—even in off-season storage.

Why Recreational Insurance Matters in Idaho

Idaho’s wide-open spaces and outdoor access make recreational vehicles part of everyday life. But all that freedom comes with risks:

  • Accidents in remote areas

  • Storm damage or theft in off-season

  • Liability claims on public land or waterways

  • Damage to expensive gear or trailers

Our recreational policies are designed for how—and where—Idahoans play.

FAQs – Recreational Insurance in Idaho

  • Is recreational vehicle insurance required in Idaho?

    Some types, like ATVs or boats with motors, may require minimum liability coverage. We’ll help you understand what’s legally required—and what’s smart to have.

  • Can I bundle recreational insurance with auto or home?

    Yes! Bundling can offer savings and simplify your renewals.

  • What if I only use my vehicle seasonally?

    You can tailor coverage to account for storage months or infrequent use.

  • Are accessories like trailers or custom parts covered?

    They can be. We’ll help you add endorsements for trailers, lift kits, solar panels, and more.

  • Does coverage extend across state lines or borders?

    Yes, with the right policy. Let us know where you travel so we can build in that protection.

Why Choose Castle Lake Insurance for Recreational Coverage

We’re Idaho locals—and outdoor people too. Here’s what makes us different:

  • Independent Access to Multiple Carriers
    We shop policies from top-rated insurers to find the best value for your vehicle and lifestyle.
  • Local Advice from Licensed Agents
    Based in Idaho, we understand seasonal risks and trail use regulations unique to our region.
  • Tailored Policies, Not One-Size-Fits-All
    Every toy is different. So is every rider, boater, or traveler. We customize your coverage accordingly.
  • Responsive Service, Year-Round
    Whether you’re hitting the road in July or winterizing in October, we’re here when you need us.

Whether it rides, floats, or rumbles—if it’s part of your adventure, we’ll help protect it. Get personalized recreational insurance from Castle Lake Insurance today.