Recreational Vehicles

You work hard. You should be able to play just as hard with peace of mind. The catch is that your “toys” require a small investment of the money you worked so hard to obtain. That is why it is so important to make sure you and your “toys” are insured properly.

It is a common mistake to assume that by storing your ATV, snowmobile, motorcycle, boat, or camper in your residential garage, these things will be covered for a loss by your Homeowners policy.  Most homeowner’s policies specifically exclude these items from coverage in the policy. 

Bodily Injury and Property Damage (BI/PD) liability covers your legal liability, up to the limit you select, for damages caused in a covered accident. Under BI/PD, the insurance company will pay for damages to an injured person and for property damage that you are legally obligated to pay as a result of an accident. We offer a wide variety of liability limits to meet your needs.

Medical Payments applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you and your passengers as the result of an accident. The coverage is limited to the amount of coverage you chose when you purchased the policy.

Physical Damage Coverage is provided for a wide range of hazards including theft, weather, fire and collision. We can provide coverage for Custom Parts or equipment that you may purchase.

Custom Parts or Equipment are accessories and enhancements permanently installed in or on your recreational vehicle or watercraft. Parts and equipment offered by the manufacturer or installed by the dealer at the point of sale are not custom parts or equipment, but are included under your standard Physical Damage coverage.

Emergency Assistance Coverage provides coverage for towing and labor costs when your recreational vehicle is disabled.

Protection that travels with you
We offer continuous coverage around the U.S. and Canada.

Depending on the company you choose, you can get discounts for:

  • Multi vehicles or watercraft on one policy
  • Being a homeowner
  • Multi-policy if insuring with your auto insurance carrier
  • Multi-policy if insuring with your home insurance carrier
  • Completing safety courses