Boat and RV Insurance in Maryland

Boat Insurance and RV Insurance are essential to enjoying your time outdoors and on the open road. Get a free quote today.

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Hankin & McNally Boat Insurance

Boat insurance isn't legally required in most places, but skipping it is a gamble few boat owners can afford. From sudden storms to accidents on the water, a single incident can cost you thousands — or your boat entirely. The right policy protects your investment against storm damage, collisions, passenger injuries, and the unpredictable nature of rough seas.


Comprehensive boat insurance goes even further, covering theft, fire, accidents, and natural disasters — giving you peace of mind no matter what happens on or off the water.


Keep in mind: if you're financing or leasing your boat, your lender will likely require full coverage boat insurance as a condition of your loan. And it's not just lenders — many marinas, ports, and harbors also require proof of insurance before you can dock.


Popular Add-On Coverages Worth Considering

Want to boost your protection? Consider these popular extras:

  • Boat Towing Insurance – Stranded offshore? This coverage gets you discounted or free towing back to safety. Just note: most policies cover emergency towing only — running out of gas or a dead battery typically won't qualify.
  • Personal Property & Accessories Coverage – Protect the gear, electronics, and personal items you keep onboard. This can be purchased as an add-on or, in some cases, may already be covered under your homeowner's policy.

RV Insurance

From weekend camping trips to full-time life on the road, there's an RV out there for every kind of adventurer — and just as many ways to insure it. Choosing the right RV insurance policy isn't one-size-fits-all: it depends on the type of RV you own, how much it's worth, and how often you hit the road.


Some coverage can simply be added to your existing auto insurance policy. But in many cases, a dedicated RV insurance policy offers broader protection tailored specifically to recreational vehicles — covering things standard auto policies often miss.


  • Common Types of RVs
  • Motorhomes (Class A, B, and C)
  • Fifth Wheels
  • Campers
  • Travel Trailers


Do You Need Liability Coverage?

One of the biggest factors in choosing RV coverage is whether your vehicle is licensed for road use and driven independently, like a car — or towed by another vehicle.

  • Motorhomes are self-driven and typically require full liability coverage, just like a standard auto policy.
  • Travel trailers, fifth wheels, and campers are usually towed, meaning liability coverage often comes from the towing vehicle rather than the trailer itself.


Whether you're a weekend camper or a full-time RVer, the right policy protects your investment and gives you peace of mind on every trip. Talk to an insurance professional to find coverage that matches your RV type, usage, and value.