Rec Vehicle “Toys” Insurance

If your family enjoys the great outdoors, we’ll bet favorite activities include recreational vehicles. Maybe you spend summers camping at your favorite lake or wooded property. You may enjoy exploring the backcountry on ATVs or snowmobiles. Or you might consider an RV “camper” the perfect way to travel — experiencing new places but still getting to spend every night in your own bed.

We understand your active lifestyle and your desire to help protect the “toys” that go with it.  While RVers enjoy being on the road, in the wilderness and getting away from all the hassles and problems back home, many mistakenly assume that RV insurance is about the same as car insurance.

ATV Insurance

ATV coverages we offer:

Comprehensive: In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it's caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an animal, Comprehensive coverage will likely apply. You just pay the deductible you selected, and your ATV insurance will cover the rest.

Collision: Collision pays for physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post, or other obstacle. You just pay the deductible you selected, and your Collision coverage will pay for the rest. Collision also provides coverage for scrapes, scratches, minor dings/dents and other cosmetic/non-structural damage.

Bodily Injury & Property Damage Liability: ATV insurance coverage offers Bodily Injury and Property Damage Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage also protects your assets, up to the limits you choose.

Uninsured/Underinsured Motorist: If the person at fault for an accident doesn't have insurance - or doesn't have enough insurance - Uninsured/Underinsured Motorist Bodily Injury will pay for injuries and damages you suffer that the at-fault party is legally liable for, such as medical treatment and lost wages. You simply select the amount of ATV insurance coverage you want, and you're protected up to those limits.

RV Insurance 

RV Insurance is like two policies in one: it protects your vehicle like car insurance and it also protects your living area like home insurance.

Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability and other disasters.

Motorhome Insurance

Standard insurance policy coverage will depend on your RV. Units that are motorized need the same kind of coverage as your car, like liability, comprehensive, and collision.

If you only plan to vacation once or twice a year, you may be able to get by with seasonal coverage. Trailer RVs will need insurance coverage for damage, both on and off the road.

Insurance for motor homes is specially designed to protect people that travel. And because your vehicle is usually larger than others, you should have greater liability coverage than standard autos, and this is only one important coverage option you might consider. Travel Trailer: Coverage for travel trailers — even if they’re used as a seasonal or permanent home.

Options for Your RV Insurance Policy

When you insure your RV, you might want to consider these important options:

  • Insurance for full-time RVers
  • Camper liability — since you are responsible for what happens inside your mobile home and the lot or camp site it’s parked on (just like your house.)
  • Extra bodily and property damage liability is not uncommon, especially if you have an expensive and large RV.
  • 24 hour roadside assistance is a worthwhile feature that could really save you time and money even if you only use it once. And if you never need it, what peace of mind!
  • Emergency expense money
  • Total loss coverage
  • RV contents coverage
  • Insurance for any ATVs you may be towing, both for damage they may sustain being towed or being driven.

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.

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