Recreational Vehicle Insurance

Coverage for Your Motorhome, Trailer, ATV, Boat, and More

Your recreational vehicles, like motorhomes, travel trailers, boats, ATVs, and snowmobiles, represent significant investments and provide countless hours of enjoyment. Standard auto or home policies often don't provide adequate coverage for these specialized vehicles. LeClercq Insurance Services offers dedicated RV insurance policies to protect your fun machines.

What Types of Recreational Vehicles Do We Cover?

We can help you find coverage for a wide range of recreational vehicles, including:

• Motorhomes (Class A, B, C)
• Travel Trailers (including Fifth Wheels and Toy Haulers)
• Boats and Personal Watercraft (PWC)
• ATVs and UTVs (Side-by-Sides)
• Snowmobiles
• Golf Carts
• Motorcycles (Covered under Auto, but often considered recreational)

Common Coverages for Recreational Vehicles

RV insurance policies are often tailored to the specific type of vehicle but generally include options similar to auto insurance, plus some unique coverages:

• Liability Coverage: Covers bodily injury and property damage you cause to others while operating your RV.
• Collision Coverage: Pays for damage to your RV resulting from a collision.
• Comprehensive Coverage: Covers damage from non-collision events like theft, fire, vandalism, falling objects, or weather.
• Uninsured/Underinsured Motorist Coverage: Protects you if you're hit by someone without adequate insurance.
• Personal Effects/Contents Coverage: Covers personal belongings you keep inside your RV (like camping gear, electronics, etc.).
• Vacation Liability: Provides liability coverage when your RV is parked and used as a temporary residence (e.g., at a campsite).
• Roadside Assistance/Towing: Specific coverage designed for the unique needs of towing larger RVs.
• Total Loss Replacement: Can offer replacement cost for a new RV if yours is totaled within the first few model years.
• Emergency Expense Coverage: Helps cover costs like lodging or transportation if your RV breaks down far from home during a trip.

Finding the Right RV Policy

The right coverage depends on the type of RV you own, how often you use it, where you travel, and your budget. LeClercq Insurance Services works with carriers specializing in recreational vehicle insurance. We'll help you navigate the options, understand specialized coverages, and find a policy that protects your investment and lets you focus on enjoying your adventures.