Boats & Rec Vehicles

Adventure Protected, Wherever You Roam

At Legacy Lines Insurance, we believe your adventures should be unforgettable — for the right reasons. Whether you're cruising the lake on a boat, exploring trails in an ATV, or taking a cross-country trip in your RV, we offer specialized coverage to keep your recreational vehicles protected. From accidents and theft to liability and damage, we’ll help you stay covered so you can focus on the fun, not the risks.

Types of Boats & Rec Vehicle Policies

ATV’s & Off-Roading Vehicles

  • Get high coverage amounts at a low cost for a set term (10, 20, or 30 years).

  • Easy to understand with no surprises—just pure life insurance.

  • Ideal for covering mortgages, raising children, or income replacement during working years.

Boats (including non-motorized)

  • Adjust how much and how often you pay based on your changing needs.

  • Offers long-term protection with the potential to last your entire life.

  • Builds cash value over time that you can borrow against or use later.

Trailers

  • Earn interest based on the performance of a market index, without direct market risk.

  • Grow your policy’s value tax-deferred and access it tax-free through loans.

  • Flexible coverage and cash value options make it a popular tool for supplementing retirement income.

Personal Watercraft

  • Stay protected as long as premiums are paid—no expiration.

  • Builds stable, predictable cash value you can access for any need.

  • Eligible policies may earn dividends, which can be used to increase value or reduce premiums.

Golf Carts

  • Get high coverage amounts at a low cost for a set term (10, 20, or 30 years).

  • Easy to understand with no surprises—just pure life insurance.

  • Ideal for covering mortgages, raising children, or income replacement during working years.

Motorhomes

  • Get high coverage amounts at a low cost for a set term (10, 20, or 30 years).

  • Easy to understand with no surprises—just pure life insurance.

  • Ideal for covering mortgages, raising children, or income replacement during working years.

Snowmobiles

  • Get high coverage amounts at a low cost for a set term (10, 20, or 30 years).

  • Easy to understand with no surprises—just pure life insurance.

  • Ideal for covering mortgages, raising children, or income replacement during working years.

E-Bikes, Dirt Bikes & Tractors

  • Get high coverage amounts at a low cost for a set term (10, 20, or 30 years).

  • Easy to understand with no surprises—just pure life insurance.

  • Ideal for covering mortgages, raising children, or income replacement during working years.

The Values Behind the Legacy

  • Our clients count on us to show up when it matters most. We follow through, fight for fair outcomes, and stay by your side—because protecting your legacy takes more than promises.

  • You’ll work with a team who knows your name and your goals—supported by technology that makes insurance feel effortless. We blend personal attention with modern tools to give you the best of both worlds.

  • We partner with top-rated carriers to bring you the right protection—not just what's available. Your goals guide every recommendation, so you can move forward with confidence and clarity.