Recreational Insurance that fits the way you live.
Boats, RVs, motorcycles, off-road vehicles — coverage that travels with you and pays out when the unexpected happens 200 miles from home.
Why this coverage line is the one we get the most questions about.
Recreational vehicles fall through the cracks of standard auto and homeowners coverage. Yoshizumi Insurance Agency writes boats up to 60 feet, RVs of every class, motorcycles (including custom and sport), and off-road through specialty markets. We coordinate with your home and auto so coverage moves with you — if the boat sinks, the RV catches fire on I-15, or the motorcycle gets stolen out of the garage, you're covered correctly.
How we shop it.
Every quote runs across 30+ admitted and specialty carriers. For recreational insurance, we focus on the markets that actually compete in California's current environment. We don't sell one company's product — we shop the result and recommend the carrier that fits your specific situation.
Insurance for the way you actually live
Whether you're looking for a recreational insurance broker near me, an independent insurance agent near me in San Diego County, or a boutique insurance agency near me with deep specialty-market relationships — this is the office. Featured on CBS 8 San Diego for explaining California's hardest insurance market in a generation.
The questions we hear about recreational coverage.
Doesn't my homeowners policy cover my boat?
Only for very small craft (canoes, kayaks, sub-25-HP motors) and only while at your residence. Anything bigger, anything trailered, or anything on the water needs dedicated marine coverage.
What about my full-time RV?
Full-time RV coverage is a different product than vacation-use RV. It's essentially homeowners insurance on wheels — personal property, liability, medical payments. We write through specialty markets that understand the lifestyle.
Tell us a little about what you need to protect.
Send the basics and we'll come back with shopped quotes within 48 hours — same day if it's an escrow.