RV, side-by-side off-road vehicle, boat and personal watercraft at a scenic California lake

Specialty Insurance for California Adventures

Your Weekend Toys Deserve Protection. Could They Also Help You Save?

From motorhomes and travel trailers to boats, Sea-Doo-style personal watercraft, motorcycles, ATVs and side-by-sides, we help California owners explore the coverage their adventures require.

Have auto or homeowners insurance already? Adding eligible specialty policies may unlock multi-policy discounts on qualifying coverage. Let Earl Simons Agency review your options with you.

Coverage for Boats, RVs, Personal Watercraft & More

Ask about liability, physical damage, and available optional protections for the vehicles and recreational equipment you own.

Potential Multi-Line & Specialty Bundling Discounts

Many specialty products may qualify for multi-policy savings when combined with eligible auto, home, or additional specialty policies. We'll check the carrier's rules for your combination.

Policy availability, restrictions, and discounts vary by carrier, vehicle, location, coverage, and eligibility. Discounts are not guaranteed or necessarily combinable.

Motorhome and recreation vehicles at a lake

Real Agent Help for Your Recreational Vehicles

Get guidance from an experienced California agent who can review both specialty coverage and eligible bundling opportunities.

Direct Access to Live Personal Agents—No Call Centers

Request Your Specialty Insurance Review

Choose the vehicle or recreational product you want to insure. We'll contact you to review coverage and possible multi-policy savings.

Full Name

What Would You Like to Insure?

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Phone Number 10-digit US phone number including area code

No obligation. A local agent will personally follow up.

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Zero Time Wasted

We respect your demanding work schedule. Skip long call center queues and phone trees. We manage everything efficiently for you.

Live, Dedicated Support

Work directly with an experienced personal agent who understands your coverage needs and responds promptly whenever you reach out.

Multi-Line Savings Check

We look for eligible multi-policy savings when specialty insurance is combined with other qualifying coverages.

Bundling Opportunities

We review eligible home, auto, and other policy combinations that may help reduce costs.

Coverage for the Things You Love to Do

Your RV, boat, or off-road vehicle isn't just another item on a list—it's part of how you enjoy life. With more than 35 years of insurance experience, Earl helps California owners evaluate specialty coverage, available options, and potential multi-line savings.

Boats & Watercraft including qualifying personal watercraft and jet skis
RVs & Motorhomes including travel trailers, campers, and other recreational vehicles
Off-Road Vehicles including ATVs, UTVs, four-wheelers, and side-by-sides
Motorcycles & Other Specialty Products subject to carrier availability
Multi-Line Discount Review for eligible combinations with existing auto, home, or other policies
Personalized Agent Support for coverage questions, quotes, and options

More Adventures. More Coverage Options.

A real insurance agent to help you understand your recreational coverage—not another impersonal quote funnel.

Specialty Insurance We Can Help You Explore

Coverage availability varies by vehicle, use, insurer, and underwriting requirements.

Specialty + Home / Auto Bundles

Ask whether combining eligible specialty products with your household policies could reduce your premiums.

RVs, Motorhomes & Campers

Explore coverage for motorhomes, travel trailers, campers, and the ways you travel and store them.

Boats & Watercraft

Review available coverage for fishing boats, recreational powerboats, and other eligible marine vehicles.

Jet Skis & Personal Watercraft

Ask about coverage options for Sea-Doo-style personal watercraft and similar eligible recreational vehicles.

ATVs, UTVs & Side-by-Sides

Explore specialty insurance for 4-wheelers, off-road recreational vehicles, and side-by-sides.

Motorcycles & Other Toys

Discuss motorcycle policies and other specialty vehicles for which eligible coverage is offered.