The new year is just around the corner — and so is your next adventure. Whether you’re cruising your neighborhood, hitting the trails or exploring open water, now’s the time to make sure your insurance is ready too. Golf carts, ATVs and boats each pose unique risks, and the right coverage helps keep every trip carefree.
Golf carts: Adventure close to home
More people than ever are using golf carts for everyday travel — from the local store to your child’s school. But most home and auto policies don’t automatically cover carts once they leave the course.
You may need a specialized golf cart policy that includes:
- Bodily injury and property damage liability for injuries or damage you cause to others
- Guest passenger liability for riders traveling with you
- Medical payments coverage for you or your passengers
- Collision and comprehensive coverage for damage, theft or weather-related losses
Some states and homeowners’ associations require golf cart insurance, especially as more communities allow street-legal carts. Checking your policy before the new season helps ensure you’re compliant and covered.
ATVs: Confidence for every trail
Whether you’re working your land or tackling backcountry trails, ATVs combine utility and excitement. Many states require insurance for riding on public lands — and even if yours doesn’t, coverage is still worth it.
ATV insurance typically includes:
- Liability coverage for injury or property damage
- Collision coverage for rollovers or crashes
- Comprehensive coverage for theft, vandalism or weather damage
- Medical payments and uninsured/underinsured motorist coverage for extra security
Before the next ride, take a moment to make sure your ATV policy is in top shape. A quick review with your local agent can help ensure your coverage is as ready for adventure as you are.
ATV insurance typically includes:
- Liability coverage for injury or property damage
- Collision coverage for rollovers or crashes
- Comprehensive coverage for theft, vandalism or weather damage
- Medical payments and uninsured/underinsured motorist coverage for extra security
Before the next ride, take a moment to make sure your ATV policy is in top shape. A quick review with your local agent can help ensure your coverage is as ready for adventure as you are.
Can you weather the next storm?
Review your coverage, explore options and ensure your policies are ready for anything.
Boats: Smooth sailing starts with smart coverage
From fishing boats to weekend cruisers, boat insurance helps ensure smooth sailing year-round. However, the 2025 marine insurance market has tightened after several years of storm-related claims. Rates have risen by up to 15% in some regions due to increased exposure.
To mitigate losses, carriers are requiring more safety measures like central alarms, marina risk reviews and haul-out plans for storm seasons. In addition, boat insurance typically includes coverage for:
- Liability for injuries or damage you cause
- Wreck removal and fuel spill liability
- Personal property and equipment coverage
- Uninsured boater coverage
So, before you launch your next adventure on the high seas — or on a local lake — make sure you’re covered with the right insurance to keep your fun afloat.
Umbrella coverage: Protection for every adventure
Even with the right recreational insurance, accidents can be costly. Umbrella insurance adds an extra layer of protection when your standard policies reach their limits. It can help cover large claims, lawsuits or even libel and slander.
With litigation and high-dollar verdicts still on the rise, umbrella insurance is becoming essential for protecting your finances and future. It’s peace of mind that extends beyond land, trail and sea.
Get peace of mind for each adventure ahead
No matter where your plans take you next year — on the road, trail or water — your coverage should be as ready as you are. Reviewing your policies now means you can focus on the memories, not the mishaps. With the right protection in place, you’ll have confidence for every journey ahead.
Before next year’s adventures begin, review your recreational and umbrella coverage with your local Highstreet agent. We’ll help you stay ready for every ride, every wave and every new memory.