Recreational Vehicles (ATV, Snowmobile, Golf Cart, Off Road Bike)
Whether you're planning a family vacation in your RV or a weekend road trip on your motorcycle, make sure your vehicle of choice is covered with the right insurance policy.
RV & Travel Trailer Coverage
Recreational vehicles, or RVs, include a wide range of motorhomes and Travel Trailers, from camper vans to bus conversions, organized by classes: Class A, B and C to 5th Wheel trailers. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time and other factors.
RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings on board, equipment and attached accessories such as awnings and satellite dishes. Depending on the insurance company you choose, your additional coverage options may include:
- Total loss replacement coverage
- Campsite and vacation coverage
- Emergency expenses
- Towing and roadside coverage
- Full-timer coverage if your RV is your full-time residence
- Uninsured and underinsured motorists coverage
ATV insurance can protect your finances in the event of loss, damage, an accident, injury or theft of your vehicle. Here are some details:
- Liability coverage will cover the costs of bodily injury and property damage up to a determined amount if you cause an accident. It will also cover the cost of your legal fees if you are sued.
- Collision coverage will pay for repairs to your damaged ATV after an accident.
- Comprehensive coverage will provide protection if your ATV is stolen, damaged by fire, vandalism, or severe weather.
- Uninsured/underinsured motorist coverage will help cover your costs if another rider causes and accident and does not have the insurance to pay for your injuries.
Snowmobile insurance can protect your finances in the event of loss, damage, an accident, injury or theft of your vehicle. Here are some details:
- Full coverage – You are covered for your liability, plus collision damage and comprehensive losses to your snowmobile. With full coverage you can add options to your policy.
- Liability plus comprehensive – Comprehensive coverage includes protection for theft or damage to your unit resulting from causes such as fire or weather, but not collision.
- Liability only – You are insured for just the liability requirements of your state. Physical damage coverage to the machine is not part of the policy.
- Un-Insured/Underinsured snowmobilers' coverage- in the event that another driver is at fault in an accident and does not have adequate insurance to pay for your injuries.
- Actual cash value settlement – In the event of a total loss or theft, most carriers will pay the actual cash value, which includes a deduction for depreciation. Some policies do offer Total Loss Replacement if the unit qualifies.
- For a partial loss the repair cost is paid, minus depreciation for damaged parts. The policy deductible applies.
Money Saving Discounts:
- Safety course – for course completion
- Renewal – for each successive year
- Insuring multiple units – if insuring two or more
Additional coverage (optional):
- Transport trailer – Add physical damage coverage for a trailer designed to transport your insured snowmobile, deductible applies
- Medical payments – Coverage can be added from $1,000 and can be increased up to $10,000
A standard motorcycle insurance policy will cover some portion of the costs associated with damage to your bike. You can customize your policy to cover the following:
- Full replacement cost of your bike, in the event that it is totaled.
- Comprehensive coverage, which will pay for loss or damage due to causes "other than collision." This includes hail and other weather damage, damage from animals, and most importantly motorcycle theft.
- Medical payments, in the event that you require hospitalization or medical care.
- Uninsured/underinsured motorists coverage, in the event that another driver is at fault in an accident and does not have adequate insurance to pay for your injuries.
- Damage or loss to your gear and upgrades, such as transport trailers, sidecars, custom exhaust equipment, and safety apparel like chaps and helmets.
- Towing/Roadside Assistance with Trip Interruption coverage.