As the new owner of a motorcycle, RV, or boat, you face risks similar to those faced by the owner of a home or an automobile. You face the risk that your motorcycle, RV, or boat could be damaged in some way. You also face the risk of causing property damage or personal injury. You need to protect yourself and, unfortunately, your homeowners policy and auto policy will provide you with only limited coverage in most cases. You need special policies to cover these types of vehicles.