Motorcyle/Off-Road Vehicles Recreational Vehicle (RV) Boat
Motorcycle & Off-Road Vehicle Insurance
Protect all your favorite toys, including motorcycles, ATVs, snowmobiles, even golf carts, while enjoying the convenience and savings of having all your insurance through just one organization.
Great Rates & Discounts
Multiple Products. Discount for maintaining an active home, condo or renters policy through AAA.
Multiple Vehicles. Discount for having two or more specialty vehicles on the same policy.
Anti-Theft Device. Additional coverage discounts are available for approved motorcycle theft prevention and recovery devices.
Anti-Lock Brakes. Discount if your motorcycle is equipped with an anti-lock braking system.
Good Drivers. Reduced rates are available for those who are claim and violation free.
Safety. Discount for each driver who has successfully completed an applicable state-approved motorcycle or snowmobile safety course.
Paying in Full. Discount for choosing the Paid-In-Full payment plan.
Loyalty. Discount on all insured specialty vehicle policies at renewal.
Great Coverage
Liability. Covers unintentional bodily injury and property damage to others when you are legally liable.
Comprehensive & Collision. Coverages that pay for the repair or replacement of your specialty vehicle resulting from a collision.
Variety of Specialty Vehicles. You can purchase insurance to cover:
- Cruisers and regular motorcycles
- Dual-purpose/Enduro motorcycles (must have lights, turn signals,
mirrors and be approved for highway use)
- Roadster motorcycles (two wheels in front and one behind)
- Sport and unclad sport motorcycles
- Sport touring and touring motorcycles
- All-terrain vehicles and utility vehicles (four-, six- and eight-wheeled vehicles)
- Scooters and mopeds
- Dirt bikes
- Golf carts
- Snowmobiles
Additional Coverage Options*
Total Loss Replacement
Disappearing Deductibles
Uninsured/Underinsured Motorist
Medical Payments
Accessories
*Varies by vehicle type
Great Service
Claim Professionals on Call. Call us toll-free 24/7. We're always here for you.
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Recreational Vehicle Insurance
The spirit of the open road calls to every RV owner. Insurance through AAA can help you answer that call with confidence.
Great Rates & Discounts
Multi-Product Discount: By insuring your RV and auto or home through AAA, you’ll enjoy a meaningful discount.
Group Rate: Members of certain credit unions, professional organizations and companies can save more.
Anti-Theft Device: Additional coverage discounts are available for approved theft prevention and recovery devices.
Far-Reaching Coverage
Liability: Covers unintentional bodily injury and property damage to others when you are legally liable.
Collision: Pays for physical damage to your recreational vehicle caused by a collision.
Comprehensive: Provides coverage for non-collision losses including fire, theft, glass breakage and vandalism.
Variety of Recreational Vehicles: You can purchase insurance to cover trailers, pickup caps, campers, motor homes and more.
Choose Your Deductible: You can choose from a variety of deductible levels for Collision and Comprehensive coverage.
Additional Coverage Options*
- Electronic equipment coverage
- Uninsured/underinsured motorist coverage
- Pet protection
Exceptional Service
Claim Professionals on Call: Call us toll free 24/7 at 800.236.1300. We’re always here for you.
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Boat Insurance
Protect your watercraft investment year-round whether on land or water with boat insurance through AAA. Coverage is available for a variety of watercraft subject to maximum length and value requirements.
Great Rates & Discounts
Boat Safety: If your boat is equipped with a diesel-powered primary motor, permanently installed automatic fire extinguishers, or a fume or CO2 detector, a discount is available.
Idle Assisted Steering: If your personal watercraft is equipped with idle assisted steering, special savings are available.
Loyalty: Discount on all insured boats (including personal watercraft) at renewal.
Multiple Products: Discounts are available for maintaining an active Auto, Specialty Vehicle, Homeowners, Condominium or Renters policy through AAA.
Multiple Boat: A discount is available for having two or more watercraft on the same policy.
Payment in Full: If you choose the Paid-In-Full option, a discount in your insurance premium is available.
Good Operator: Reduced rates are available for those who are claim and violation free on both their auto and boat.*
Safe Boater: A discount is available for each driver who has successfully completed an approved boat safety course.
Original Owner: If you’re the only person who has owned your boat, a discount is available.
Prior Insurance Status: A discount is available based upon the status of prior insurance coverage.**
*Discount terms and conditions vary by boat type.
**The insured must provide proof of more than eight months of continuous boat insurance in the past 12 months.
Great Coverage
Variety of Watercraft: You can purchase insurance to cover:
- Bass boats
- Runabouts
- Cabin cruisers
- Deck boats
- Aluminum fishing boats
- Sailboats
- Pontoon boats
- Personal watercraft
Bodily Injury and Property Damage: Coverages that pay for damages or injuries to others for which you are legally liable.***
Uninsured and Underinsured Boaters: Coverage that pays for bodily injury or damage that you are legally entitled to recover caused by an uninsured/underinsured person.
Medical Payments: Coverage that pays for bodily injury to a covered person.
Physical Damage: Coverage that pays for the repair or replacement of your boat resulting from a covered loss.
Loss/Settlement Options such as:
- Replacement cost/purchase price
- Agreed value
- Actual cash value
Disappearing Deductible: Included with Replacement Cost/Purchase Price and Agreed Value Loss settlement options at no additional premium.
Permanently Attached Equipment: Coverage for equipment that is fastened to the hull using bolts or brackets.
Portable Boating Equipment: Coverage for detachable equipment kept in or on a boat for the maintenance or use of the boat.
Reimbursed Towing Costs and Labor: Reimbursement for roadside service in the event of a covered emergency while your boat is on a trailer being towed or carried by a motor vehicle.****
Fishing Equipment Coverage: Coverage for the loss or damage to fishing equipment while on or while being carried on or off your boat. Up to $10,000 of coverage for all damaged equipment (or $1,000 for damage or loss to any single item).
On-Water Emergency Towing and Labor: Provides reimbursement for on-water towing and labor costs in the event your boat becomes disabled while on the water.
***Required in all states.
****Available only in Michigan, Illinois, Wisconsin.
Great Service
Claim Professionals on Call: Call us toll-free 24/7. We’re always here for you.
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