What Farmers Insurance^® Claims Data Reveals About Boats, Travel Trailers & Motorcycles

Key Farmers Claims Findings by Vehicle Type

Based on Farmers analysis of claims reported between 2021 and 2025, recreational vehicle losses increase significantly during peak usage periods —highlighting how seasonal activity can impact risk across boats, travel trailers and motorcycles.

Travel Trailers: Spring Brings a Spike in Weather-Related Losses

Travel Trailers see their highest claims volume in spring, as they’re pulled back into service after winter storage. Farmers data shows trailer claims are nearly three times higher in peak months, with wind, hail and other weather-related damage topping the list — reinforcing the value of secure storage and coverage checks before the season begins. 

Boats: Claims Peak at the Height of Summer (July) 

Farmers data shows boat claims increase more than fivefold from winter lows to peak summer months, with July leading the way. The most common cause? Collisions — often with docks, pilings or other stationary objects — followed by wind related damage, underscoring the importance of proper mooring, docking skills and weather awareness. For many owners wondering "what does boat insurance cover," these seasonal risks highlight why understanding protection for collisions, weather damage and liability can be important. 

Motorcycles: Claims Peak Later in the Riding Season

While motorcycles are typically ridden throughout spring and summer, Farmers claims data shows the highest number of claims occur later in the season, as miles add up and routine maintenance becomes more critical. More than one-third of motorcycle claims involve roadside assistance, often tied to issues like tires, batteries or mechanical wear that can develop over time. For riders asking "how much is motorcycle insurance?" or "do you need motorcycle insurance?" the answer often depends on factors like usage, location and coverage choices — but claims trends show how risk can increase over time.

Understanding "what does motorcycle insurance cover?" — including optional protections like roadside assistance — can help riders stay prepared.

Source: Farmers analysis of claims reported between 2021 and 2025. Findings are based solely on Farmers claims experience and may not reflect industry-wide trends.

A Simple Insurance Check Can Help You Stay Protected

If you're looking for a quote for motorcycle insurance – or coverage for boats, travel trailers or other specialty vehicles – a quick review can help you align your policy with how your vehicles are used today.

• Confirm the vehicle or boat is insured year‑round, even if you're unsure whether you need insurance on a trailer during storage periods.
  
  
• Review the value listed on the policy to ensure it reflects what the vehicle or boat is worth today.
  
  
• Inform an insurance agent about upgrades or updates — such as new equipment, custom features or recent improvements — that may increase the vehicle or boat’s value.
  
  
• Let your insurance agent know if your vehicle usage changes, for instance, if your community now permits golf carts or ATVs on public roads, your insurance should reflect that new on-road use.
   
• Take advantage of available pricing options, such as potential discounts that may reflect periods when your vehicle or boat is in storage, without requiring you to remove coverage. Or discounts for making safer choices like locked storage or completing safety courses. Discounts and their availability will vary based on the kind of insurance policy you hold and what state you’re in. 

Learn More About Recreational Vehicle Insurance

Whether you own a boat, travel trailer, motorcycle or other specialty vehicle, the right coverage can help you protect how you use it — and what it’s worth.

• Recreational Vehicle Insurance