Snowmobile, Jet Ski & RV Insurance in Vermont

Vermont winters are built for snowmobile trails, and Vermont summers are built for the water. Whether you're heading out on the VAST trail system, launching a jet ski, or hitting the road in a motorhome, Taylor-Moore Insurance Agency makes sure your coverage is ready before the season opens — not after something goes wrong.

Personal Insurance Built Around What You Actually Own

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Vermont Snowmobile Insurance: What the Law Actually Requires

Vermont law requires any snowmobile operated on the Statewide Snowmobile Trail System (VAST trails) to carry a minimum liability policy or a qualifying surety bond. The statutory minimums are $10,000 per person for bodily injury, $20,000 per accident, and $10,000 for property damage. If your current policy doesn't meet those thresholds — or if you're riding on a policy that covers the machine but not your liability to others — you may be out of compliance without knowing it.

 

We review your current snowmobile coverage against Vermont's trail requirements so you know exactly where you stand. If there's a gap, we find a policy that closes it. We work with 14 carriers, which means we can match your situation to the right coverage rather than forcing you into whatever one company offers.

 

Snowmobile coverage typically includes:

 

  • Liability protection meeting Vermont's VAST trail minimums
  • Collision and comprehensive coverage for your machine
  • Medical payments coverage for you and your passengers
  • Coverage for accessories, trailers, and towing

Jet Ski Insurance in Vermont and New Hampshire

Personal watercraft moves fast and operates in close quarters with other boats, swimmers, and docks. A standard homeowners or auto policy won't cover a jet ski — you need a standalone personal watercraft policy, and it's worth having before you launch for the first time each season.

 

Jet ski insurance through Taylor-Moore typically covers liability if you injure someone or damage another vessel, physical damage to your watercraft from collision or capsizing, medical payments for you and your passengers, and uninsured watercraft coverage if you're hit by someone without adequate insurance. We handle personal watercraft coverage right alongside your other policies, so there's no separate agency to call and no coverage gap between your home, auto, and recreational lines.

RV and Motorhome Insurance

A motorhome or travel trailer is part vehicle and part home, and standard auto insurance doesn't cover it the way it needs to be covered. RV insurance accounts for the living quarters — the appliances, the built-in systems, your personal belongings inside — along with the vehicle itself.

 

Whether you own a Class A motorhome, a fifth wheel, a pop-up camper, or a travel trailer, we can put together coverage that fits how you actually use it. Full-timer coverage is available if your RV is your primary residence. Seasonal storage options are available if it sits for months at a time. We'll ask the right questions upfront so your policy reflects your situation.

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Common Questions About Personal Insurance

Common Questions About Recreational Vehicle Insurance

  • Is snowmobile insurance required to ride VAST trails in Vermont?
    Yes. Vermont law requires a minimum liability policy or surety bond to operate a snowmobile on the Statewide Snowmobile Trail System. The minimums are $10,000 per person for bodily injury, $20,000 per accident, and $10,000 for property damage. Riding without meeting these requirements puts you out of compliance with state law.
  • How much liability insurance do I need for a snowmobile in Vermont?
    To ride VAST trails legally, you need at least $10,000/$20,000 in bodily injury liability and $10,000 in property damage liability. Many riders choose higher limits for broader protection, especially since a serious accident can exceed statutory minimums quickly.
  • Does my homeowners policy cover my jet ski?
    In most cases, no. Homeowners policies typically exclude watercraft above a certain horsepower or value, and personal watercraft like jet skis almost always fall outside that coverage. A standalone personal watercraft policy is the right way to cover a jet ski.
  • Can I insure my snowmobile, jet ski, and RV through the same agency?
    Yes. Taylor-Moore handles all three alongside your home, auto, and other personal lines. Keeping your recreational vehicle coverage with one agency makes it easier to manage renewals, review coverage across policies, and reach someone who knows your full picture when you need to file a claim.
  • When should I get recreational vehicle insurance in Vermont?
    Before the season starts. Snowmobile coverage should be in place before the trails open in late fall. Watercraft coverage should be confirmed before you launch in the spring. Waiting until the first ride or the first launch leaves a window where you're exposed — and in Vermont, that window can close quickly.

Two Local Offices, Ready When You Need Us

We have staffed offices in Derby and Barton, and we serve homeowners across Northern Vermont and into New Hampshire. Whether you're insuring a home in Newport, a farmhouse outside Barton, or a property in Colebrook, we're a phone call away — not a chatbot.