Coverage for How You Play, Ride & Explore
Adventure-ready protection, built for fun.
Your weekends and downtime deserve just as much protection as your workdays. Whether you’re cruising the lake, camping off-grid, or riding through the woods, we’ll help you insure your recreational vehicles with policies built for fun—and peace of mind.
We offer coverage for a wide range of outdoor gear, from boats to campers, ATVs to personal watercraft. If you use it to explore, we can help you protect it.
What We Cover
Recreational & Specialty Vehicles We Insure
Motorhomes
Class A, B & C RVs for road trips & full-timers
Campers
Towable campers, truck bed units & hybrid trailers
Travel Trailers & Fifth Wheels
Short- and long-term coverage
Boats & Personal Watercraft
Fishing boats, pontoons, jet skis & more
ATVs & UTVs
Off-road utility vehicles and recreational four-wheelers
Snowmobiles
Trail & backcountry coverage for winter rides
Golf Carts
Especially important if used off private property or in communities
What’s Included
Core Coverage & Custom Options
We’ll tailor your policy to cover:
Damage to the vehicle/toy
Theft, fire, vandalism & storm loss
Bodily injury & property damage liability
Guest passenger liability
Towing or roadside assistance
Accessory & equipment coverage (awnings, electronics, custom gear)
Storage-only or seasonal coverage options
Who Needs This Coverage
It’s Not Just for Full-Time RVers
We insure:
Seasonal travelers & part-time campers
Boaters who hit the water every weekend—or just a few times a year
Hunters, outdoor enthusiasts & off-road riders
Retirees with campers or golf carts at seasonal sites
Families with boats, ATVs, or trailers for weekend getaways
Anyone financing a recreational vehicle (lenders often require full coverage)
Real Options. Local Knowledge. Better Coverage.
Not all policies cover your gear the way you think they do—and not every carrier offers flexible plans. We’ll help you compare coverage across multiple companies and explain where the gaps usually are.
01
How often you use your RV, boat, or off-road vehicle
02
Whether it’s stored, towed, driven, or moored
As an independent agency, we can build a plan around:
03
Your needs for towing, accessories, or multiple vehicles
04
Any bundled discounts available for combining with home or auto
Let’s Make Sure You’re Covered for the Fun Stuff
Get a quick quote or talk with one of our local agents about your setup—we’ll keep it simple, so you can focus on enjoying the ride.
Recreational Vehicle Insurance FAQs
Do I need separate insurance for my camper or RV?
Yes. While your auto policy might cover towing damage, it doesn’t insure the contents or liability inside your RV. A standalone policy is usually the best way to protect the whole setup.
Is boat insurance required in Ohio?
No, boat insurance isn’t required by law—but it’s highly recommended. Boats can cause property damage, injuries, and are vulnerable to theft or storm damage.
Does homeowners insurance cover my ATV or snowmobile?
Not typically. Most homeowners policies exclude motorized vehicles once they leave your property. A separate policy ensures proper liability and damage protection.
What does “storage-only” RV insurance mean?
It provides limited coverage (like theft, vandalism, fire) while your RV is not in use—usually during the off-season. It doesn’t include liability or collision while driving.
Are my custom accessories covered (like solar panels or upgraded awnings)?
Yes, but they often need to be listed. We’ll help you make sure any add-ons are properly included in your policy.
Can I bundle recreational insurance with my auto or home policies?
In many cases, yes—and bundling can save money. We’ll check for discounts across multiple carriers and let you know where it makes sense.
What if someone gets hurt on my boat or ATV?
That’s where liability coverage comes in. A recreational policy can help protect you financially if someone is injured while using your vehicle, or if you damage someone else’s property.
