Motorcycle, Boat & Specialty Vehicle Insurance

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Coverage for the Things You Ride, Drive & Tow for Fun

Insurance for Motorcycles, Boats, RVs & More

Your weekend toys and specialty vehicles deserve the same protection as your everyday car. Whether you’re cruising through Sussex County on your motorcycle or heading out from Ocean City with the boat in tow, we can help you find the right coverage. From personal watercraft and campers to classic cars and ATVs, we work with top carriers to insure what makes life more enjoyable. We’ll help you understand your risks, whether you’re on the road, in the water, or storing a vehicle during the off-season. If it moves, floats, or rolls—we likely insure it.

What Types of Specialty Vehicle Insurance We Offer

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Motorcycle Insurance

Protection for your bike, your gear, and yourself. Includes liability, collision, comprehensive, uninsured motorist, and optional accessories coverage.

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Boat & Watercraft Insurance

Covers fishing boats, pontoon boats, jet skis, and more—on the water, in transit, or in storage. Includes liability, theft, and physical damage options.

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RV & Travel Trailer Insurance

Whether you own a Class A motorhome or a pop-up camper, we’ll help you protect it on the road and at your campsite.

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ATV & Snowmobile Coverage

Coverage for off-road vehicles used for recreation, hunting, or property maintenance. Includes bodily injury, property damage, and equipment coverage.

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Classic & Collector Car Insurance

Specialty protection for antique, vintage, and show vehicles that appreciate in value. Agreed value coverage available.

Not sure what kind of policy your ride or recreational vehicle needs?

Let’s walk through the options together and get you the coverage that fits.

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Why Local Riders & Boaters Choose Frankos

We understand the risks of riding coastal highways, trailering boats through busy marinas, and parking campers in local parks. With roots in Delaware and Maryland, we tailor each policy to your use, your location, and your budget.

Benefits of having insurance with us:

  • Coverage options for nearly every type of specialty vehicle
  • Multi-policy and bundling discounts available
  • Guidance on usage-based or seasonal coverage
  • Local support from agents who understand state laws
  • Claims support when you need it—not just when you sign
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What to Know About Recreational Vehicle Insurance

Specialty Vehicle Insurance FAQs

  • Do I need insurance for my boat or jet ski if I only use it seasonally?

    Yes. Even in storage or during the off-season, your watercraft can be at risk for theft, fire, or damage. We offer flexible coverage options for seasonal use.

  • Is my motorcycle covered under my auto policy?

    No. Motorcycles require a separate insurance policy to be fully protected. We’ll help you build one that fits your riding style and gear.

  • Can I insure my RV as part of my home or auto policy?

    RV insurance is typically a separate policy, especially if the RV is motorized. We’ll help you choose the right level of liability, personal property, and collision coverage.

  • What’s the best way to bundle my specialty vehicle with my home or auto?

    We’ll review your current policies and see if bundling your boat, motorcycle, or RV can lower your rates and simplify your coverage.