Motorcycle and Recreational Vehicle Insurance
Protect the Vehicles That Help You Enjoy Life
Recreational vehicles are built for adventure. Whether you're riding an ATV through the trails, taking your UTV to the hunting property, cruising on a motorcycle, or enjoying a day on the water, the right insurance coverage can help protect your investment and your financial security.
At A-1 Insurance Services Inc, we help individuals and families find insurance solutions for a wide variety of recreational vehicles. We'll take the time to understand how you use your vehicle and help you determine what coverage may be appropriate.
What Is Recreational Vehicle Insurance?
Recreational vehicle insurance is designed to protect specialized vehicles that may not be adequately covered by a standard homeowners or personal auto policy.
Depending on the vehicle, coverage may be available for:
- ATVs
- UTVs and side-by-sides
- Golf carts
- Motorcycles
- Dirt bikes
- Scooters
- Snowmobiles
- Dune buggies
- Off-road vehicles
- Personal watercraft
- Other recreational vehicles
Each type of recreational vehicle has different risks, so coverage should be based on how and where you use it.
Why Do You Need Recreational Vehicle Insurance?
Recreational vehicles can be expensive to repair or replace, and accidents can result in significant liability claims.
A specialized recreational vehicle policy may help protect you against:
- Accidental damage
- Theft
- Fire
- Vandalism
- Weather-related losses
- Injuries to others
- Property damage
- Damage to your recreational vehicle
- Certain roadside or emergency expenses
Your coverage will depend on the policy, limits, deductibles, and endorsements selected.
Common Recreational Vehicle Coverages
Liability Coverage
Liability coverage can help protect you if you are legally responsible for causing bodily injury or property damage to another person while operating a covered recreational vehicle.
For example, if you accidentally strike another rider or damage someone's property while operating your ATV or UTV, liability coverage may help with covered expenses, subject to your policy terms and limits.
Collision Coverage
Collision coverage can help pay for damage to your recreational vehicle resulting from a covered collision with another vehicle, object, or certain other property.
This can be particularly important for ATVs, UTVs, motorcycles, and other vehicles that may be operated in areas with uneven terrain or obstacles.
Comprehensive Coverage
Comprehensive coverage can help protect your recreational vehicle from certain losses that don't result from a collision.
Covered causes of loss may include:
- Theft
- Fire
- Vandalism
- Falling objects
- Windstorm
- Hail
- Other covered events
Uninsured and Underinsured Motorist Coverage
If you're involved in an accident with someone who does not have insurance—or doesn't have enough insurance—uninsured or underinsured motorist coverage may provide protection, depending on the policy and applicable law.
ATV & UTV Insurance
ATVs and UTVs are popular for recreation, hunting, farming, trail riding, and property use.
Insurance considerations can vary depending on whether your vehicle is used:
- On private property
- On designated trails
- For recreational riding
- For hunting
- For agricultural activities
- For transportation around a large property
If you use your ATV or UTV for business or commercial purposes, additional insurance considerations may apply.
Motorcycle Insurance
Motorcycles require specialized insurance because they have different risks than passenger vehicles.
Motorcycle insurance may include:
- Bodily injury liability
- Property damage liability
- Collision
- Comprehensive
- Uninsured/underinsured motorist coverage
- Medical payments
- Accessories and custom equipment
- Roadside assistance
Coverage availability varies by insurance company and policy.
Golf Cart Insurance
Golf carts are used for much more than golf.
They may be used around:
- Neighborhoods
- Campgrounds
- Resorts
- Farms
- Private properties
- Communities
Depending on how and where your golf cart is operated, a specialized policy may provide liability and physical damage protection.
Don't assume your homeowners policy automatically provides all the coverage you need for a golf cart.
Snowmobile Insurance
Snowmobiles can be exposed to unique risks, including collisions, theft, fire, and accidents on trails.
Snowmobile insurance may provide coverage for:
- Liability
- Collision
- Comprehensive
- Uninsured/underinsured motorists
- Accessories
- Transport trailers
- Emergency assistance
Personal Watercraft
Personal watercraft such as Jet Skis and similar vessels may require specialized insurance.
Coverage can include protection for:
- Physical damage
- Liability
- Theft
- Personal property
- Trailer
- Emergency assistance
For additional information about protecting boats and watercraft, see our Boat Insurance options.
Coverage for Custom Parts and Accessories
Many recreational vehicles are customized with equipment and accessories.
Examples include:
- Custom wheels
- Lift kits
- Winches
- Upgraded suspension
- Audio equipment
- Light bars
- Custom paint
- Saddlebags
- Motorcycle accessories
- Aftermarket equipment
Depending on the policy, some accessories may have limited coverage unless specifically insured.
Let us know about significant upgrades and modifications so we can discuss the appropriate coverage.
Trailer Coverage
If you use a trailer to transport your recreational vehicle, don't forget about the trailer itself.
Coverage may be available for trailers used to transport:
- ATVs
- UTVs
- Motorcycles
- Snowmobiles
- Personal watercraft
- Other recreational vehicles
Your trailer and the equipment being transported may have different insurance requirements.
Roadside Assistance
A recreational vehicle breakdown can leave you stranded far from home.
Depending on the policy, roadside assistance may provide services such as:
- Towing
- Battery jump-starts
- Fuel delivery
- Flat-tire assistance
- Winching
- Other emergency services
Coverage varies by policy and vehicle type.
Safety Equipment
Some insurance companies offer discounts or coverage considerations for safety equipment.
Depending on the vehicle, this may include:
- Anti-theft devices
- Approved safety equipment
- Motorcycle safety features
- Security systems
- Other protective equipment
Ask us about available discounts when requesting a quote.
Recreational Vehicles and Your Homeowners Policy
Many people assume their homeowners insurance automatically covers every recreational vehicle they own.
That isn't always the case.
Some recreational vehicles may have limited coverage or may be excluded altogether under a homeowners policy, particularly when they are motorized and designed for use away from the insured premises.
A separate recreational vehicle policy may provide broader and more appropriate protection.
It's important to review your coverage before an accident occurs.
Where You Use Your Recreational Vehicle Matters
Your insurance needs may depend on where you operate your vehicle.
For example, coverage considerations can differ if you use your recreational vehicle:
- On private property
- On public roads
- On designated trails
- At campgrounds
- At a hunting property
- Across multiple states
- For recreational purposes
- For business purposes
Always tell your insurance agent how and where you use your vehicle so the appropriate coverage can be considered.
What Can Affect Your Premium?
Several factors may affect the cost of recreational vehicle insurance, including:
- Type of vehicle
- Year, make, and model
- Vehicle value
- Engine size
- Driving or riding history
- Claims history
- Where the vehicle is stored
- Where the vehicle is operated
- Annual usage
- Coverage limits
- Deductibles
- Optional coverages and endorsements
Protect Your Adventure
Don't wait until an accident, theft, or unexpected loss happens to find out what your insurance covers.
Contact A-1 Insurance Services Inc today for a recreational vehicle insurance quote or a review of your existing coverage.
Insure Your Ride. Protect Your Investment. Enjoy the Adventure.
Request a Personal Umbrella Quote
Contact A-1 Insurance Services Inc today to discuss your personal umbrella insurance needs.
We'll review your current insurance and help you determine whether additional liability protection makes sense for you and your family.