Recreational Insurance
Recreational vehicles come in many forms—from off-road machines to home-on-wheels motorhomes—but they all have one thing in common: they’re not covered by standard auto or homeowners insurance. Whether you ride trails, explore backroads, or travel the country in an RV, the right insurance protects your investment and reduces liability risks.
If it moves, rolls, or rides for fun or travel in New York or Connecticut, we can help you insure it properly.
Protection for ATVs, Dirt Bikes, Golf Carts, RVs & Off-Road Fun
Types of Recreational Insurance
Insurance for ATVs, four-wheelers, and side-by-sides used for off-road riding, hunting, and utility work. Covers liability, collision, theft, rollovers, and injuries. Ideal for both recreational and work-use vehicles, including youth models and multi-riders.
Coverage for dirt bikes, trail bikes, and off-road motorcycles used on tracks or trails. Protects against crashes, theft, injuries, and property damage. Great for motocross riders, weekend trail explorers, and customized bikes.
Insurance for golf carts, neighborhood electric vehicles (NEVs), and low-speed vehicles used in communities or resorts. Covers collisions, liability, theft, and upgrades like lights or enclosures. Fits both gas and electric models.
Insurance for motorhomes, camper vans, and towable trailers. Covers liability, collision, personal property, roadside help, and full-time or seasonal use. Works for Class A, B, C, pop-ups, and fifth-wheels.
Insurance for golf carts, neighborhood electric vehicles (NEVs), and low-speed vehicles used in communities or resorts. Covers collisions, liability, theft, and upgrades like lights or enclosures. Fits both gas and electric models.
Coverage for snowmobiles used for trail riding, sport, or utility. Includes collision, theft, fire, liability, and medical payments. Optional protection for upgrades and transport. Suitable for single or two-up sleds.
What Does Recreational Vehicle Insurance Cover?
Most policies can be customized to include:
Liability Coverage
Protects you if you cause injury or damage to othersCollision Coverage
Covers repairs or replacement after an accidentComprehensive Coverage
Covers theft, vandalism, fire, flooding, animal damage, and moreMedical Payments
Helps cover medical costs for you or your passengers if injured while ridingAccessory & Equipment Coverage
Covers modifications, racks, plows, winches, light bars, etc.Transport & Storage Coverage
Protection while your vehicle is trailered or in storage
Discounts Available
Multi-policy discounts are one of the easiest ways to save. If you already insure your home, car, or another property with the same carrier, you can often bundle your recreational vehicle coverage under the same plan and receive a lower premium overall. Be sure to ask if your ATV, RV, or golf cart policy can be grouped with your other lines for a discount.
Completing a safety course is more than just smart riding — it can also lower your insurance cost. Many insurers offer discounts to riders and drivers who’ve completed an approved training program, such as an ATV rider safety course, a snowmobile safety class, or RV driving instruction. If you’ve completed one, be sure to share your certificate when applying or updating your policy.
Secure storage can play a big role in how much you pay. Keeping your vehicle in a locked garage, secured storage unit, or behind a locked gate can reduce your risk of theft or damage, which insurers reward with better rates. Some carriers even offer extra savings for using GPS trackers or other anti-theft technology. Ask your agent how your storage method affects your rate.
A clean, claims-free history can translate to meaningful savings on recreational insurance. If you’ve gone several years without filing a claim or having any violations, many carriers will offer lower premiums as a reward for low-risk behavior. This applies whether you’re insuring one vehicle or several — and the longer your clean record, the more you can save.
Seasonal use or limited mileage discounts apply when your recreational vehicle is only used part of the year or on a limited basis. This is especially common for RVs, snowmobiles, and other vehicles not used daily. If you only ride on weekends, store your vehicle during winter, or use it for short trips, ask about usage-based pricing or mileage caps that could reduce your rate.
📌 Bottom Line
Recreational vehicles open the door to adventure—but they also carry real risks. From dirt bikes and ATVs to snowmobiles and RVs, a customized insurance policy helps protect your vehicle, your finances, and your freedom to explore. Whether you’re hitting the trails, cruising a campground, or traveling the country, we’ll help you ride protected.
