Connecticut Motorcycle, Boating, and RV Insurance

Ride, Cruise, Explore—With Confidence

Wherever the Road (or Water) Takes You, Spectrum Insurance Goes Too

At Spectrum Insurance, we know that insurance isn’t just about protecting homes and cars—it’s about protecting your adventures. Whether you’re hitting the open road on your motorcycle, setting sail in Connecticut’s lakes and rivers, or exploring the country in your RV, we’ve got you covered.


Our specialized motorcycle, boat, and RV insurance policies ensure that no matter where your journey takes you, you have affordable and reliable protection in place.

A small mishap on the water can turn into a big expense—good insurance keeps it stress-free.

From storm damage to unexpected repairs, boat insurance helps cover the costs so you can focus on enjoying the water. With flexible coverage options for all types of boats, we’ll find a plan that protects your investment without sinking your budget.

Birds eye view of a boat

Coverage Options for Your Lifestyle

1

Motorcycle INsurance

Protection for your bike, your gear, and you. Coverage includes liability, collision, comprehensive, and uninsured motorist protection.

2

boat & watercraft insurance

From jet skis to fishing boats, we cover damage, liability, and theft so you can enjoy the water worry-free.

3

RV & Camper Insurance

Whether it’s a motorhome or a travel trailer, we provide coverage for accidents, personal belongings, and roadside assistance.

Start Your Quote Today

Please fill out the following information so we can help you get started with a motorcycle, RV, or boating quote.

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Motorcycle, Boat, & RV Insurance FAQs

Still Have Questions About Renters Insurance? We’ve Got Answers.

  • Is motorcycle insurance required in Connecticut?

    Yes, Connecticut law requires all motorcyclists to carry liability insurance to cover injuries or damage caused in an accident. Additional coverage, like collision or comprehensive, is optional but highly recommended.

  • Do I need boat insurance in Connecticut?

    While Connecticut does not legally require boat insurance at this moment, many marinas, lenders, and docking facilities do. Plus, having a policy protects you from costly damages and liability.

  • Do I need special insurance for my RV?

    Yes, RVs require separate insurance from standard auto policies. RV insurance covers damages, personal belongings inside, and liability while parked or in motion.

  • Does motorcycle insurance cover custom parts and accessories?

    Most standard policies cover factory-installed parts, but if you’ve added custom upgrades like saddlebags, a custom paint job, or aftermarket exhaust, you may need additional coverage to protect your investment.

  • What does boat insurance cover?

    A standard policy can cover damage to your boat, theft, liability for injuries or damages caused to others, and even protection against uninsured boaters. Additional options include towing and fuel spill coverage.

  • Is my RV covered when it’s parked at a campsite?

    Many policies cover accidents or damages while stationary, but coverage varies. If you use your RV as a full-time residence, you may need additional coverage similar to a homeowners policy.

  • Can I get insurance for my seasonal motorcycle use?

    Yes! If you only ride during certain months, we can help you find a policy with lay-up coverage to keep your bike protected in storage while saving you money in the off-season.

  • Does homeowners insurance cover my boat?

    Homeowners policies may offer limited coverage for small boats, but they typically don’t cover larger vessels or high-value accessories. A dedicated boat insurance policy ensures full protection.

  • Does RV insurance cover personal belongings inside?

    Yes, many policies offer coverage for personal items like electronics, kitchen appliances, and camping gear inside your RV. Higher-value items may need additional coverage.