ATV, UTV, Boat & Toy Insurance
Wisconsin's outdoor playground is waiting. Protect your recreational vehicles with comprehensive coverage from Schofield Insurance. From ATVs on forest trails to boats on the lakes, we've got you covered.
Protect Your Wisconsin Outdoor Lifestyle
Central Wisconsin is paradise for outdoor enthusiasts. From ATV trails in the Chequamegon-Nicolet National Forest to fishing on Wisconsin River flowages, snowmobiling across frozen lakes, and cruising on summer pontoon rides—your recreational vehicles are part of the Wisconsin lifestyle. At Schofield Insurance, Scott and Davis Hackbarth help protect these investments so you can focus on enjoying them.
Many people assume their auto or homeowners insurance covers recreational vehicles, but coverage is often limited or nonexistent. A dedicated policy ensures your ATV, UTV, boat, motorcycle, or snowmobile is properly protected against theft, accidents, and liability claims.
Recreational Vehicles We Insure
ATVs & UTVs
From Polaris to Can-Am, Honda to Kawasaki—we insure all makes and models of all-terrain and utility vehicles. Coverage includes collision, theft, liability, and accessory coverage for winches, plows, and more.
Boats & Watercraft
Fishing boats, pontoons, ski boats, personal watercraft—whatever floats on Wisconsin's lakes. Coverage includes hull damage, motor, trailer, liability, and towing/assistance.
Motorcycles
Street bikes, cruisers, touring bikes, and sport bikes. Wisconsin requires liability for road use. We offer comprehensive coverage including custom parts and accessories.
Snowmobiles
Wisconsin has over 25,000 miles of snowmobile trails. Protect your sled with coverage for collision, theft, liability, and emergency services on the trail.
Why Recreational Vehicle Insurance Matters
Your Investment Deserves Protection
A new UTV can cost $15,000-$30,000. A quality fishing boat with motor and trailer might be $25,000-$50,000 or more. Even used recreational vehicles represent significant investments. Theft, accidents, and vandalism happen—don't leave yourself unprotected. We've helped clients in Schofield, Wausau, and throughout Marathon County recover from losses that would have been devastating without proper coverage.
Liability is another crucial consideration. If you're involved in an ATV accident that injures someone, or if your boat causes property damage at the dock, you could face significant legal and medical costs. Recreational vehicle insurance provides liability protection that your auto policy likely doesn't extend to these vehicles.
Central Wisconsin: Perfect for Outdoor Recreation
Living in the Wausau area means you're surrounded by outdoor opportunities. The Wisconsin River and its flowages offer excellent boating and fishing. County and state forests feature miles of ATV and snowmobile trails. Our short riding seasons make every weekend precious—and proper insurance means you're not worrying about "what if" while you're out enjoying yourself.
We understand recreational vehicle insurance because we're outdoor enthusiasts too. Scott and Davis can discuss the specific risks of trail riding, lake boating, and Wisconsin winters. That local knowledge helps us recommend the right coverage for how you actually use your vehicles.
The Schofield Insurance Approach
We work with multiple carriers that specialize in recreational vehicle insurance, including Foremost, Progressive, Hagerty, and others. This means we can compare options to find coverage that fits your specific vehicles and budget. Many clients bundle their recreational vehicles with auto and home insurance for additional savings.
Whether you have one boat or a garage full of toys, we'll create a coverage plan that protects everything. And when you need to file a claim—whether it's a stolen ATV or hail damage to your boat—we're here to help navigate the process.
Protect Your Toys Today
Get a free quote for your ATV, boat, motorcycle, or snowmobile.
Recreational Vehicle Insurance FAQs
Do I need insurance for my ATV or UTV in Wisconsin?
While Wisconsin doesn't legally require insurance for ATVs/UTVs used off-road, we strongly recommend it. Your vehicle could be worth $10,000-$30,000 or more—theft and accidents do happen. Plus, liability coverage protects you if someone is injured. Most standard auto policies don't cover ATVs.
What does boat insurance cover?
Boat insurance typically covers your watercraft, motor, trailer, and equipment against damage, theft, and liability. Coverage includes collision, comprehensive (theft, fire, vandalism), medical payments, and liability. We'll tailor coverage based on your boat type, value, and how you use it on Wisconsin lakes.
Is my recreational vehicle covered by homeowners insurance?
Limited coverage exists under some homeowners policies, but it's usually insufficient. ATVs, boats, and motorcycles need dedicated policies for proper protection. We'll review your current coverage and identify any gaps that could leave you exposed.
How much does ATV/UTV insurance cost?
Costs vary based on vehicle value, coverage limits, and usage. Basic liability-only coverage might cost $100-$200/year, while comprehensive coverage for a newer UTV could be $300-$600/year. We'll shop multiple carriers to find your best rate.
What factors affect my boat insurance premium?
Key factors include your boat's value, horsepower, type (fishing boat vs. pontoon vs. speedboat), age, where it's stored and used, your boating experience, and any safety courses completed. Wisconsin boating safety courses can earn discounts with many carriers.
Do I need insurance for a snowmobile in Wisconsin?
Wisconsin doesn't require snowmobile insurance, but it's highly recommended. Snowmobiles are valuable and face theft risk. Accidents can cause injury and property damage—liability coverage protects your assets. We offer affordable snowmobile policies through multiple carriers.
What about motorcycle insurance?
Wisconsin requires liability insurance for motorcycles used on public roads. Coverage options include liability, collision, comprehensive, uninsured motorist, and medical payments. We work with carriers that specialize in motorcycle coverage, including classic bikes and sport bikes.
Can I bundle my recreational vehicle insurance with auto and home?
Absolutely! Many carriers offer multi-policy discounts when you bundle recreational vehicles with your auto and home insurance. This simplifies your coverage and often provides significant savings. We'll review all your policies together to maximize discounts.
Ready to Protect Your Recreational Vehicles?
Get coverage for your ATVs, boats, motorcycles, and snowmobiles. Compare rates from specialized carriers and enjoy Wisconsin's outdoors with peace of mind.