Recreational Vehicle Insurance

If you have any type of recreational vehicle, including a motorcycle, RV, boat, or off-road vehicle (e.g., ATV or snowmobile), you may wrongly assume that your homeowners or auto policy will cover your recreational vehicle. The truth is, the only way to ensure that you’re properly protected is to purchase coverage designed specifically for your RV of choice.

Reynolds Insurance Service has been in the insurance industry for 27 years. We’re here to help you navigate your unique RV insurance needs and find the right insurance solutions. Contact us to get started.

How Does RV Insurance Work?

RV insurance is a contractual agreement in which you pay for specified amounts of coverage from an insurance company. In exchange for these payments, the insurer agrees to provide the agreed-upon levels of coverage following a covered incident or claim. Policies and exclusions vary, and you may need to pay a deductible before insurance steps in. Reynolds Insurance Service can walk you through the logistics of filing a claim and ensure that you understand what your policy covers.

What Does Recreational Vehicle Insurance Cover?

What is covered by an RV insurance policy will vary based on the type of policy that you purchase. For example, the coverages that are afforded to motorhome policies may not be the same as those offered for a boat or personal watercraft policy. Listed below are some common types of coverages, listed out by type of RV.

Motorhome Coverages

Motorhome (also known as an RV) insurance may include the following types of coverage that you can purchase for your policy:

• Liability Insurance: Helps insure you against damage you cause others if you are at-fault in a wreck.
• Bodily injury liability coverage helps pay for their medical bills (and in some cases deaths)
• Property damage liability helps pay for damage to the other driver’s property, like their car.
• Collision Insurance: Helps cover damage to your own vehicle after a wreck.
• Comprehensive Insurance: Helps pay for vehicle damage from non-accident mishaps, like weather damage.
• Medical Coverage: Helps pay for your medical bills and those of your passengers.
• Uninsured/underinsured Insurance: Helps protect you against damages or injuries caused by someone else who doesn’t have appropriate liability coverage.
• Campsite and Vacation Coverage: Helps cover liabilities associated with using the RV as a vacation property.
• Full Time Residence Insurance: If you live in the RV permanently, this type of coverage can offer additional protections.

Other coverage offers help for roadside assistance, rental car coverage, and expenses protection like emergency hotel bills.

Off-road Vehicle Insurance

The typical off-road vehicle (e.g., ATV, golf cart or snowmobile) policy includes the following coverage:

• Comprehensive coverage: This coverage helps pay for repairs or replacing the ATV if the off-road vehicle is damaged or lost due to fire, theft, vandalism, hail or wind. 
• Collision coverage: This coverage helps pay for replacement or repairs if the off-road vehicle is damaged or lost due to collision with another vehicle or object. 
• Liability insurance: This helps cover the cost of third-party bodily injury and property damage the insured driver may cause while operating the vehicle. 
• Physical Damage: This coverage helps covers the off-road vehicle and its attached fittings and fixtures from fire, theft, vandalism, wind, hail and collision.  

Other benefits that you can also use to your advantage include: 

• Custom parts coverage 
• Gear & accessories coverage 
• Replacement cost coverage 

Boat and Personal Watercraft Insurance

Boat insurance offers numerous types of coverage, including: 

• Physical Damage: This helps covers the boat and its attached fittings and fixtures from fire, theft, vandalism, wind, hail and collision.  
• Medical Payments: This helps covers medical expenses for the policyholder and their passengers after an accident.  

• Liability Insurance: This helps covers bodily injury and property damage the boater may cause to someone else in an accident.  
• Guest Passenger Liability Insurance: This covers expenses if a permissible passenger causes an accident while operating the boat. 

Your plan can also contain a host of other benefits like: 

• Salvage Coverage 
• Pollution Liability Insurance 

• Tow Trailer Coverage 
• Agreed Value Insurance 
• Personal Effects Coverage 
• Fishing Equipment Coverage 

Motorcycle Insurance

Motorcycle insurance offers a diversity of benefits, which will offer you protection against any number of challenges that might arise: 

• Comprehensive coverage: This helps provide compensation if the motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind. 
• Collision coverage: This helps provide compensation if the motorcycle is damaged or lost due to collision with another vehicle or object. 
• Liability insurance: This helps cover bodily injury and property damage the insured biker may cause while operating the vehicle. 

• Guest passenger liability insurance: This coverage steps in if a guest driver causes an accident while operating the motorcycle with the owner’s permission. 
• Uninsured/underinsured motorist insurance: This insurance may step in and provide coverage to you and other insureds on your policy if the insured vehicle is involved in an accident with a driver not carrying appropriate insurance. 

Other benefits that you can also use to your advantage include: 

• Roadside assistance 

• Custom parts coverage 
• Gear & accessories coverage 
• Replacement cost coverage 
• Gap insurance 

Is RV Insurance Expensive?

The cost of your recreational vehicle policy will vary based on the vehicles you are insuring, the value of those vehicles, your location, driving record and scope of the policy you select. Contact Reynolds Insurance Service today to discuss your unique insurance needs and obtain a custom quote.