Summer in North Carolina means more time outdoors — whether you're heading to Lake Hickory with the boat, exploring the mountains in your RV, or taking the ATV out for a weekend adventure. With all that fun comes a little extra risk, and that’s where the right insurance coverage can make all the difference.

At The Catawba River Insurance Group (The CRIG), we help our clients protect the toys that make summer unforgettable. Here’s a quick guide to what you should know when insuring your seasonal vehicles and equipment.

Boat & Personal Watercraft Insurance

Whether you enjoy fishing, skiing, or relaxing on the water, boat insurance helps keep you protected from costly surprises. Coverage typically includes:

• Liability: Covers injuries or property damage you cause while operating your boat.
• Physical Damage: Protects your boat against collisions, storms, theft, and vandalism.
• Medical Payments: Helps pay for injuries to you or your passengers.
• On-Water Towing: A must-have if you spend time on larger lakes across North Carolina.

RV & Camper Insurance

Planning a summer road trip? RVs need more than just auto insurance. Depending on how you use your camper, consider coverage for:

• Collision & Comprehensive: Protects the RV itself, whether you’re driving or it’s parked.
• Personal Belongings: Covers things like electronics, camping gear, and clothing.
• Vacation Liability: Protects you if someone gets hurt at your campsite.
• Full-Timer Coverage: Ideal if your RV is your primary residence.

ATV, UTV & Off-Road Vehicle Insurance

Off-road adventures are a North Carolina staple, but your homeowners or auto policy usually won’t cover ATVs or UTVs once you take them off your property. Coverage options include:

• Liability protection for injuries or damage to others
• Collision & Comprehensive for damage to your off-road vehicle
• Accessories coverage for upgrades like lift kits, winches, and custom parts

Why Insure Your Summer Toys?

Your recreational vehicles and equipment are investments — and accidents can happen fast, especially during the busy summer season. Insuring them helps you:

• Protect your finances if you’re involved in a collision
• Replace or repair your equipment after damage or theft
• Enjoy peace of mind all summer long

Let Our Local Team Help

At The CRIG, we’re your local independent insurance agency serving Hickory, Lenoir, Blowing Rock, and the surrounding communities. We compare options from top carriers to help you find coverage that fits your needs and your budget — so you can focus on making summer memories.

Want a quick quote or have questions about insuring your boat, RV, or ATV? We’re here to help.

Call us at (828) 324-1600 or visit thecrig.com to get started.