Coverage for the Way You Explore Montana
From weekends on Flathead Lake to trail riding in the Bitterroot, Montana living often means more than just a home and a car. Recreation insurance helps protect the RVs, boats, ATVs, snowmobiles, and campers that make your adventures possible.
Missoula Recreation Insurance
Why Recreation Coverage Matters
Recreational vehicles and equipment are valuable investments—but they aren’t always fully covered under a homeowners or auto policy. Without dedicated coverage, you may be exposed to:
Out-of-pocket repair or replacement costs after accidents, theft, or storm damage.
Limited liability protection if a guest is injured using your recreational vehicle.
Coverage gaps during storage or seasonal use.
Underinsured gear and equipment, like skis, kayaks, or fishing setups.
Specialized insurance helps keep your adventures protected, so you can enjoy them without second-guessing.
A Closer Look at Your Coverage
Key Considerations for Your Recreation Insurance Policy
When we review your coverage, we’ll consider details such as:
Type of recreational vehicle or equipment (boat, RV, ATV, snowmobile, camper, etc.).
Where and how it’s used—on the road, water, trails, or seasonal storage.
Liability needs if guests or other riders are involved.
Replacement cost vs. actual cash value for vehicles and gear.
Travel and towing risks that may require additional protection.
We’ll walk you through these options so you can feel confident your coverage matches your adventures.
Insurance Considerations for Montana Adventures
Recreation in Montana is part of everyday life, but it also comes with risks that aren’t the same as in other places. We’ll look at factors like:
- Mountain terrain and backcountry trails, where accidents can happen far from home.
- Seasonal usage, where vehicles sit in storage for months at a time.
- Wildfire and severe weather risks that can damage vehicles or equipment.
- Tourism and guest riders, which may create added liability exposures.
Factoring in these details helps ensure your coverage reflects the way you enjoy the outdoors here in Montana.
Insurance the Way it Should Be. Personal.
Why Work With Us?
With over 20 years of experience in liability claims, Dustin Baldwin understands how quickly costs add up when accidents happen.
That’s why our approach is focused on:
Understanding your lifestyle and recreational activities.
Reviewing risks carefully so important details aren’t overlooked.
Explaining your options in plain language.
We’ll be here to adjust your coverage as your adventures change.
Start Your Personalized Coverage Plan
Getting personalized insurance shouldn’t feel complicated. Here’s how we make it simple:
Request a Quote
Tell us what you need to protect: your home, vehicles, business, property, loved ones.
Careful Review & Tailored Options
We’ll dig into the details, consider your specific risks, and find the right mix of coverage for your needs. Then we’ll present clear options side by side, so you can choose what feels right for you.
Get Covered & Stay Supported
Once you choose your plan, we’ll set everything up and be here to review and adjust as your needs change.