Other Insurance
Protect the vehicles and recreational assets that go beyond standard coverage. From motorcycles and boats to RVs, trailers, and more, find coverage tailored to your lifestyle, adventures, and budget.
Recreational & Specialty Insurance
In the insurance industry, this category is commonly referred to as Recreational & Specialty Insurance — a collection of personal insurance policies that fall outside of standard Home, Auto, Commercial, and Health coverage.
At Paramount Trust Insurance, we understand that not everything fits into a single category. That’s why we help protect the “in-between” items — the vehicles, trailers, and recreational assets that support your lifestyle, travel, and adventure.
What Falls Under Specialty Insurance
This coverage typically includes a variety of recreational and specialty vehicles such as:
Motorcycle Insurance
ATV / UTV Insurance
Boat & Personal Watercraft Insurance
Motorhome (RV) Insurance
Travel Trailer & Camper Insurance
Snowmobile Insurance
These policies are designed to protect your assets whether you’re on the road, off-road, on the water, or enjoying seasonal recreation.
Why This Coverage Matters
Unlike standard auto or home insurance, recreational and specialty vehicles come with their own unique risks, usage patterns, and coverage needs. These assets are often used seasonally, stored differently, and exposed to environments that traditional policies don’t fully account for.
Without proper coverage, a single incident — whether on the road, trail, or water — can lead to significant out-of-pocket costs.
Recreational and specialty insurance helps protect you from a wide range of unexpected situations, including:
Accidents and collisions while operating your vehicle or watercraft
Theft or vandalism, whether stored at home, in transit, or at a marina or campground
Weather-related damage, such as storms, flooding, or fire exposure
Liability claims if someone is injured or property is damaged while you’re operating your equipment
Off-season risks, including damage during storage or transportation
Total loss events, where repair is not possible or cost-effective
These policies are designed to bridge the gap between standard personal insurance and the real-world use of recreational equipment.
