Recreational Vehicle Insurance Frequently Asked Questions

Definition:  ATVs, Quads, Snowmobile, Motorhomes, Travel Trailers, Campers, Scooter, Golf Cart, Go-Karts

What does Liability Coverage mean?

Liability Coverage protects you from lawsuits in the event you are involved in an accident and cause bodily injury and/or property damage to another party.

What does Collision and Comprehensive Coverage mean?

These two coverage options provide compensation for damage to your vehicle if an accident should occur. Collision provides coverage in the event of an accident. Comprehensive provides coverage for damage from other perils such as storms, fire, theft, vandalism or malicious damage, flood, earthquake, birds or animals.

Comprehensive and Collision are sold with deductibles. A deductible is the amount you pay first. After the deductible has been reached, the insurance coverage provides payment for the additional amount of repairs/replacement needed. A typical deductible for Comprehensive and Collision is:

•    $100 Comprehensive
•    $250 Collision

It is very important that you consult with your agent to determine the best coverage for you. Depending on rec vehicle, age, driving record, income and many other factors, the right coverage will vary.

If I store my Recreational Vehicle in my shed and the shed burns down, is this covered under my homeowner’s policy?

No, this is not automatically covered under your homeowner’s policy — your Recreational Vehicle should have its own policy or should be scheduled under your home or auto policies, and this loss would be covered.