Property & Casualty — Personal
RV, ATV & Motorcycle Insurance
One conversation. Coverage for every vehicle in your garage.
Whether you're cruising the open highway in a motorhome, exploring trails on an ATV, or commuting and riding on two wheels, your recreational vehicles deserve dedicated coverage. Standard auto policies exclude all three — and homeowners policies won't fill the gap on the road or trail. We work with carriers that specialize in powersports and recreational vehicles to find policies designed for exactly how you use them.
What's Covered
- RV & Motorhome — collision, comprehensive, liability, and full-timer coverage for Class A, B, and C motorhomes, fifth wheels, and travel trailers
- RV personal belongings and attached accessories, campsite liability, and emergency lodging expense
- Total loss replacement for new RV units and roadside assistance specific to large vehicles
- ATV, UTV & Off-Road — collision and comprehensive coverage for ATVs, UTVs, side-by-sides, and dirt bikes
- ATV liability for bodily injury and property damage, medical payments, and guest passenger liability
- ATV custom parts, aftermarket equipment, and transport trailer coverage
- Motorcycle — liability, collision, comprehensive, and uninsured/underinsured motorist coverage
- Motorcycle custom parts and equipment — aftermarket exhausts, fairings, and upgrades
- Seasonal lay-up discounts for motorcycles and ATVs stored during off-season months
Why It Matters
These vehicles are significant investments — from a $10,000 motorcycle to a $300,000 motorhome — and the risks they carry are just as significant. Standard auto and homeowners policies leave them entirely uncovered. A dedicated recreational vehicle policy protects your investment, your health, and your financial exposure whether you're on the highway, at a campsite, or deep on a trail.
Common Questions
Do I need separate policies for each vehicle?
Not necessarily. Many carriers offer multi-unit powersports policies that cover multiple recreational vehicles under one policy — often with a multi-vehicle discount. We'll structure the most efficient program for your situation.
Is coverage required by law for these vehicles?
Requirements vary by vehicle type and state. Motorhomes generally require liability coverage in most states. Motorcycle requirements also vary by state. ATVs operated off public roads often have no mandatory requirement, but many trails and parks require proof of coverage for access. Regardless of legal mandate, coverage is strongly advisable for all three.
What's the difference between full-timer and part-timer RV coverage?
Full-timer policies treat the RV like a primary residence, with broader personal property and liability protections. Part-timer policies are designed for seasonal or recreational use and are typically more affordable. We'll match the policy type to how you actually live and travel.
Do I need separate motorcycle coverage if I already have auto insurance?
Yes. Auto policies explicitly exclude motorcycles. Even excellent auto coverage provides no protection on two wheels — a dedicated motorcycle policy is required.
Can I get lay-up discounts for seasonal storage?
Yes. Many carriers offer lay-up endorsements that suspend certain coverages (like collision) during months when your motorcycle, ATV, or RV is in storage — significantly reducing your annual premium.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.