Insurance We Offer
Recreational Vehicles
Coverage for motorhomes, campers, boats, golf carts, jet skis, and snowmobiles — however you get out and play.
Your recreational vehicles are made for getting away — and they deserve coverage that keeps up. We insure motorhomes, travel trailers, and campers, plus the toys that come with the good weather and the snow: boats, golf carts, jet skis, and snowmobiles.
We'll help you tailor coverage for full-time or recreational use, including your personal belongings and attached accessories, so you're protected on the road, on the water, on the trail, and at the campsite.
What this coverage can include
- Motorhomes, travel trailers, and campers
- Boats and personal watercraft, including jet skis
- Golf carts and low-speed vehicles
- Snowmobiles and off-season storage coverage
- Liability, physical damage, and total-loss replacement options
Coverages and availability vary by carrier, state, and policy. Contact us to review the specific options available to you.
Recreational Vehicles — Frequently Asked Questions
What recreational vehicles can you insure?
- We cover a wide range of recreational vehicles, including motorhomes, travel trailers, and campers, as well as boats, jet skis and other personal watercraft, golf carts, and snowmobiles. If it's how you get out and enjoy yourself, we can most likely help you protect it.
What does recreational vehicle insurance cover?
- Coverage combines auto-style protections (liability and physical damage) with home-style protections for your belongings and attached accessories. Depending on the vehicle, options include vacation liability, full-timer coverage, roadside or on-water assistance, and total-loss replacement.
Do I need separate coverage if I already have auto insurance?
- Usually, yes. Motorized RVs, boats, jet skis, golf carts, and snowmobiles aren't covered by a standard auto policy, and towable units benefit from dedicated coverage for their contents and liability. We'll help you cover the gaps your auto policy leaves.
Can I insure my boat, jet ski, or snowmobile for just part of the year?
- Many policies offer lay-up or off-season storage periods that reduce your premium while keeping protection against theft and damage when the vehicle isn't in use. We'll match the policy to how and when you actually use it.