Adventure with Confidence

Personal auto insurance covers everyday vehicles used for commuting and daily travel. Recreational vehicle insurance covers vehicles used primarily for leisure – such as RVs, motorcycles, boats, and ATVs. These policies are typically structured differently to account for seasonal use, storage periods, and the specific risks that come with recreational travel and activities. 

Insurance requirements vary by vehicle type, use, and state. In many states, motorcycles and motorized RVs must carry at least liability coverage to be operated legally on public roads. Boats, ATVs, and other recreational vehicles may be subject to separate state, local, registration, lender, marina, park, trail, or waterway requirements. Even where insurance is not legally required, having a policy may help protect you from significant out-of-pocket expenses after a covered loss. A licensed agent can help you understand coverage options that may be available for your situation.

Many RV owners consider coverage that may include liability, collision, and comprehensive coverage for certain losses such as theft, vandalism, fire, or weather-related damage. Depending on the policy and insurer, additional options may be available for personal belongings kept in the RV, attached equipment, emergency expenses, or trip interruption. The right coverage depends on how the RV is titled, where it is used, whether it is driven or towed, and whether it is used for occasional travel or more frequent occupancy. A licensed agent can help you review available options based on your specific situation.

You may. Full-time RV use can involve different risks than occasional or recreational use, and a standard RV policy may not fully address the needs of someone who uses an RV as a primary or regular residence. Depending on the insurer and policy, full-time or broader RV coverage options may include additional personal liability protection, coverage for certain attached accessories or structures, and emergency expense or loss-of-use benefits. Coverage availability, limits, and eligibility requirements vary, so it is important to speak with a licensed agent and review the applicable policy terms before choosing coverage.

Motorcycle insurance commonly includes liability coverage and may include optional collision and comprehensive coverage, depending on the policy and insurer. ATV and off-road vehicle coverage may also include options for physical damage, equipment, accessories, or liability, subject to policy terms. The right coverage depends on how and where you use the vehicle, whether it is operated on public roads or private property, whether it is financed, and applicable state or local requirements. Coverage options, eligibility, and requirements vary by state, carrier, and vehicle type.

Boat and personal watercraft insurance may provide coverage for physical damage to the vessel, liability for certain injuries or property damage, and equipment such as motors, trailers, or attached accessories, depending on the policy. Coverage needs can vary based on the size, type, value, and use of the vessel, where it is stored or operated, and whether a lender, marina, or waterway authority requires specific coverage. A licensed agent can help you review available options and select coverage that fits your needs, subject to applicable policy terms, conditions, limits, and exclusions.

No. Not all coverages may be available with every recreational insurance policy. Coverages, limits, deductibles, exclusions, and availability vary by insurer, policy, state, type of recreational vehicle or property, and customer qualifications. Please review the applicable policy terms, conditions, declarations, and endorsements for complete details.