The bad news: 63 percent of the 58,957 motorcycles, ATVs, snowmobiles, and watercraft stolen last year were never recovered. Florida sits among the top three states in the country for recreational vehicle theft — alongside California and Texas — according to NICB data. Motorcycles represent more than three-quarters of all recreational vehicle thefts — 44,564 stolen in 2025 nationally. Without it, a stolen recreational vehicle worth $15,000 to $30,000 produces no insurance payout beyond whatever the homeowners policy’s minimal limit covers. What Florida Recreational Vehicle Owners Should Check This WeekPull out your homeowners policy and look specifically at the watercraft and recreational vehicle sections.