Recreational vehicles and trailers fall under different types of coverage. Motorhome Insurance
Type A – is a motorhome that you drive to its destination
Motorhome or RV insurance provides you with all perils coverage, emergency expenses, personal property protection, depreciation waiver, and liability coverage.
We offer a loaded motor home package with the protection of:
- $2 million in liability
- All perils, with deductibles starting at only $300
- Personal property insurance up to $7500
- Loss of use – $2500
- Qualifying units will benefit from a 10-year waiver of depreciation
Type B – is an add-on to a vehicle, such as; travel trailers, 5th wheels, tent-trailers or truck campers
Trailer insurance is available for your travel, tent, or fifth wheel trailers, as well as truck campers. Trailers up to 40’ long are covered. Policies provide protection with liability, all perils, and personal property coverage. There is also coverage for loss of use, emergency expenses, and a depreciation waiver available.
Our fully loaded trailer program protects you with:
- $2 million in liability
- All perils, with deductibles starting at only $300
- Personal property insurance up to 20% of the trailer’s insured value
- Loss of use – $2500
- Qualifying units will benefit from a 10-year waiver of depreciation
All-Terrain Vehicles
Any 4-wheel vehicle that is self-propelled, whether driven on roads, land, off-road, or on ice or snow, requires insurance.
Liability insurance provides protection in the event of an accident where you are at fault covering the bodily injury.
Collision Insurance covers you if you hit an object or another vehicle; providing funds to repair or replace your ATV.
Comprehensive Insurance ensures you are compensated if damages to your ATV, such as; fire, flooding, theft, or vandalism occur.
Snowmobile Insurance
In all circumstances except; (when operating the snowmobile on the property of the snowmobile’s owner); the law requires you to carry a minimum of the following insurance:
- $200,000 in Third Party Coverage
- Statutory Accident Benefits Coverage
- Direct Compensation – Property Damage Coverage, and
- Uninsured Automobile Coverage.
Note: You must also have a license that is applicable for the vehicle you are operating.