From preparation tips to insurance insights, our 2026 Hurricane Guide equips you to prepare your home or business, understand your coverage, and protect what matters most—before the storm hits.
Recreational vehicles can bring a lot of enjoyment, whether you are boating along the Beaufort River, taking a personal watercraft out for the weekend, riding a motorcycle through the Lowcountry, taking an RV trip across South Carolina, using an ATV on private land, or driving a golf cart in an approved community. These vehicles can also create property, liability, passenger injury, theft, accident, and weather-related risks.
Lowcountry Insurance Services helps individuals and families in Beaufort, Port Royal, Lady’s Island, St. Helena Island, Bluffton, Hilton Head Island, Ridgeland, and surrounding communities review recreational insurance options from multiple insurance companies. If you are searching for boat insurance, motorcycle insurance, RV insurance, ATV insurance, golf cart insurance, or personal watercraft insurance, our local independent agents can help you begin the quote process.
Recreational vehicle insurance options may be available for:
Get A Recreational Insurance Quote
Boat insurance may help address certain accidents, storms, theft, fire, vandalism, passenger injuries, liability claims, and physical damage, depending on the policy terms, limits, deductibles, and exclusions. While boat insurance may not be required in every situation, lenders, marinas, storage facilities, or leasing agreements may require certain types of insurance.
For Beaufort-area boat owners, insurance needs can vary based on how and where the boat is used. A fishing boat used in coastal waters, a pontoon used on weekends, a personal watercraft, or a larger boat that travels outside the area may each require a different insurance conversation.
Liability boat insurance may help respond to certain damage or injury claims involving other people or property. Other policy options may include physical damage insurance for your boat, motor, trailer, equipment, and accessories, depending on the policy.
Request A Boat Insurance Quote
Like car insurance, motorcycle insurance may include liability insurance as the required foundation, with additional options available depending on your motorcycle, budget, and riding habits.
Motorcycle insurance options may include liability, collision, comprehensive, uninsured motorist, underinsured motorist, medical payments, passenger liability, accessory insurance, and roadside assistance. Policy availability and requirements can vary by insurance company and state.
Below are several motorcycle insurance coverages to discuss with your agent.
Liability insurance may help pay for certain injuries or property damage you cause to others in an at-fault accident. This type of insurance generally does not pay for damage to your own motorcycle. Some motorcycle policies may include guest passenger liability, but it is important to confirm how passengers are treated under the policy.
Collision insurance may help pay for damage to your motorcycle after an accident or collision, less your deductible. This may apply whether the accident involves another vehicle, a fixed object, or a single-bike crash, depending on the policy.
Comprehensive insurance may help address certain non-collision events involving your motorcycle, such as theft, fire, vandalism, falling objects, hail, or storm damage, subject to the terms and exclusions of the policy.
Uninsured and underinsured motorist insurance may help if you are injured in an accident caused by a driver who has no insurance or does not have enough insurance to pay for the damages. This can be an important discussion for riders in Beaufort and across South Carolina.
Get A Motorcycle Insurance Quote
Recreational insurance is not limited to boats and motorcycles. Many coastal South Carolina households also need insurance for RVs, campers, ATVs, golf carts, utility trailers, and other recreational vehicles.
Depending on the vehicle, how it is used, and where it is operated, a standard home or car insurance policy may not be enough. A separate recreational insurance policy may be needed for liability, physical damage, theft, passenger injury, accessories, equipment, or trailer-related risks.
Recreational insurance options may be available for:
If you use an RV for travel, an ATV for recreation, a golf cart in an approved neighborhood, or a trailer to move recreational equipment, Lowcountry Insurance Services can help you review policy options and requirements.
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