RV, Boat, ATV and Motorcycle
You work hard. Relax without worry.
Whether it’s an RV, ATV, motorcycle, or boat, these aren’t just recreational vehicles, they’re what you've worked hard for, and they come with risks. Specialized insurance protects you from costly repairs, liability claims, and medical expenses in the event of an accident. Most standard auto or home policies won’t cover what you need out on the trail, the water, or the open road. Proper coverage ensures you can enjoy your freedom without exposing yourself to financial setbacks. If it moves, floats, or roars—it needs protection.
What we offer:
Tips for selecting the right coverage
- Start with the Worst-Case Scenario
Ask yourself, “If something major happened, like a wreck or injury, what would I need to recover financially?” That mindset helps you prioritize the right protections, not just the cheapest premium. - Know What’s Required vs. What’s Recommended
State minimums (like liability) often don’t go far enough. Consider additional coverages: uninsured motorist, comprehensive, or personal property. - Match Coverage to Value
Insure based on full replacement cost, not just market value. For toys like boats or RVs, factor in accessories and upgrades you’ve added. - Don’t Overlook Deductibles
A lower premium might come with a sky-high deductible. Make sure you’re comfortable paying that amount out-of-pocket if you need to file a claim. - Talk to a Real Agent
Online quotes are great for ballparks, but a knowledgeable agent can help you spot coverage gaps, explain exclusions, and tailor a policy to fit your needs.