Recreation & Lifestyle Insurance
Protect the good stuff
The things you enjoy most are worth protecting. Whether it’s a boat at the lake, a snowmobile on the trails, an ATV in the backcountry, or a collection of things you’ve spent years building, the right coverage helps you enjoy them without worrying about what could go wrong.
Garriock Insurance can help you protect the recreational vehicles, equipment, collections, and other personal belongings that are part of your lifestyle. We’ll take the time to understand what you have and how you use it, then help you find coverage that makes sense.
Because the things you work hard for should be there to enjoy.
Boat / Marine Insurance
Water Protection
Covers your boat, watercraft, and equipment against damage, theft, and liability while enjoying Manitoba lakes and waterways.
Collectibles / Valuables Insurance (art, jewelry, etc.)
Valuable Protection
Specialized coverage for high-value personal items like jewelry, art, and collectibles, ensuring they are protected beyond standard home insurance limits.
Snowmobile Insurance
Winter Coverage
Protection for snowmobiles against accidents, theft, and liability so your family can enjoy Winnipeg winters safely.
ATV / Off-road Vehicle Insurance
Trail Protection
Covers ATVs and off-road vehicles for damage, liability, and unexpected incidents on trails and rural properties.
Let's Get
You Covered.
Whether you know exactly what you need or would rather talk it through with a broker, we’re here to help.
FAQ: Recreation & Lifestyle Insurance
Boat & Marine Insurance
What is boat insurance?
Boat insurance provides protection for your watercraft, equipment, and personal liability while you are enjoying Manitoba lakes and waterways. Coverage can help protect against risks such as damage, theft, and accidents on the water.
Do I need boat insurance in Manitoba?
Boat insurance is not legally required for every watercraft in Manitoba, but many boat owners choose coverage to protect their investment and provide liability protection. Some marinas, lenders, and storage facilities may also require proof of insurance.
What does boat insurance cover?
Boat insurance can provide coverage for your watercraft, attached equipment, boating accessories, theft, physical damage, and liability claims. Coverage options vary depending on your boat, usage, and policy.
Does my home insurance cover my boat?
Some home insurance policies may provide limited coverage for smaller watercraft, but coverage is often restricted by value, size, location, and type of loss. Dedicated boat insurance can provide broader protection designed specifically for marine risks.
Does boat insurance cover theft?
Many boat insurance policies include protection against theft, subject to the terms, conditions, and coverage limits of the policy.
Collectibles & Valuables Insurance
What is collectibles and valuables insurance?
Collectibles and valuables insurance provides specialized protection for high-value personal items such as jewelry, artwork, antiques, watches, collections, and other valuable possessions.
Does home insurance cover jewelry and valuable items?
Standard home insurance policies may provide some coverage for valuable items, but they often have limits for certain categories such as jewelry, collectibles, or fine art. Additional coverage may be needed for higher-value items.
Why do I need separate insurance for collectibles?
Specialized coverage can provide broader protection based on the actual value of your items, including considerations such as appraisals, replacement costs, and unique risks associated with collecting.
What types of valuables can be insured?
Coverage may be available for items such as fine art, jewelry, watches, antiques, coins, sports memorabilia, and other collectible items, depending on the insurer and the value of the collection.
Should I get my valuable items appraised?
An appraisal can help establish the value of certain items and ensure you have appropriate coverage. It may also be required by an insurer for higher-value possessions.
Snowmobile Insurance
What is snowmobile insurance?
Snowmobile insurance provides protection for your snowmobile against risks such as accidents, theft, damage, and liability while riding or storing your machine.
Is snowmobile insurance required in Manitoba?
Snowmobile insurance requirements depend on how and where the snowmobile is used. If you operate a snowmobile on public trails or certain designated areas, specific coverage requirements may apply.
What does snowmobile insurance cover?
Snowmobile insurance can include coverage for physical damage, theft, fire, vandalism, and liability protection. Optional coverage can be tailored to how you use your snowmobile.
Does my home insurance cover my snowmobile?
Home insurance may provide limited coverage for certain recreational vehicles in specific situations, but it typically does not provide the same protection as dedicated snowmobile insurance.
Do I need insurance if my snowmobile is only used at the cabin?
Even if your snowmobile is primarily used on private property or at a seasonal residence, insurance can help protect against unexpected damage, theft, and liability risks.
ATV & Off-Road Vehicle Insurance
What is ATV insurance?
ATV insurance provides coverage for all-terrain vehicles and off-road vehicles used for recreation, work, or property maintenance. It helps protect against risks such as damage, theft, and liability.
Do I need insurance for an ATV in Manitoba?
Insurance requirements depend on how and where your ATV is used. Many ATV owners choose coverage to protect their investment and provide liability protection while riding.
What does ATV insurance cover?
ATV insurance can cover physical damage, theft, fire, vandalism, and liability claims. Coverage options depend on the vehicle, how it is used, and the level of protection selected.
Does my home insurance cover my ATV?
Home insurance may provide limited protection for certain recreational vehicles, but it often does not provide the same coverage available through a dedicated ATV policy.
Can I insure an ATV used for both recreation and work?
Yes. ATV insurance can often be tailored based on how the vehicle is used, whether for trail riding, property maintenance, farming, or other purposes.
General Recreation & Lifestyle Insurance
What is recreation and lifestyle insurance?
Recreation and lifestyle insurance protects the vehicles, equipment, and personal items that support the activities you enjoy. It provides specialized coverage for risks that may not be fully covered under standard home insurance.
What types of recreational items can be insured?
Coverage may be available for boats, personal watercraft, snowmobiles, ATVs, off-road vehicles, collectibles, jewelry, artwork, and other high-value personal items.
Why isn’t my regular home insurance enough?
Standard home insurance provides important protection, but it may have limits, exclusions, or coverage gaps for certain recreational vehicles and high-value possessions. Specialized insurance helps provide protection designed for these unique risks.
How much does recreation and lifestyle insurance cost?
Premiums depend on factors such as the type and value of the item, how it is used, where it is stored, and the coverage options selected.
Why choose Garriock Insurance for recreation and lifestyle insurance?
Garriock Insurance helps families protect the things they enjoy most, from boats and snowmobiles to valuable collections and recreational vehicles. Our brokers take the time to understand your lifestyle and recommend coverage that fits your needs.
Coverage varies by policy and operation. Contact us for specifics.