Why Recreational Vehicles Need Their Own Coverage
Your auto insurance policy does not cover ATVs, golf carts, boats, trailers, or most recreational vehicles. Your homeowners policy may provide limited coverage while these vehicles are on your property, but it typically excludes liability and provides little or no physical damage coverage. A dedicated recreational vehicle policy fills these gaps.
Whether you use your UTV for farm work, take your boat out on the Lake of the Ozarks, or haul your camper across Missouri, we can find the right coverage to protect your equipment and your finances.
Some recreational vehicles — such as golf carts used on public roads or UTVs registered for road use — may require a separate endorsement or a standalone policy. We will help you determine the right approach based on how you use your vehicle.
Vehicles We Can Insure
ATVs & UTVs
All-terrain vehicles and side-by-sides used for recreation, farm work, or hunting. Coverage includes liability, collision, comprehensive, and medical payments for you and your passengers.
Golf Carts
Whether you use your golf cart on the course, in a community, or on private property, we can find coverage that fits — including liability if your cart is street-legal or used on public roads.
Boats & Personal Watercraft
Fishing boats, pontoons, jet skis, and ski boats. Coverage includes on-water liability, physical damage, towing assistance, and coverage for permanently attached equipment.
Travel Trailers & Campers
Fifth wheels, bumper-pull trailers, pop-ups, and toy haulers. Coverage protects your trailer while towed and while parked at a campsite, including contents and attached accessories.
Motorhomes & RVs
Class A, B, and C motorhomes. Full-timer and part-timer coverage available. Includes liability, collision, comprehensive, vacation liability, and emergency expense coverage.
Snowmobiles
Seasonal coverage for snowmobiles used on trails or private land. Includes liability, collision, and comprehensive coverage for theft, fire, and weather damage.
Dirt Bikes & Off-Road Motorcycles
Coverage for off-road bikes used on trails, tracks, or private property. Liability and physical damage coverage available depending on use and location.
Utility & Cargo Trailers
Enclosed and open cargo trailers, flatbeds, dump trailers, and equipment haulers. Physical damage coverage protects your trailer and its contents while in transit.
Coverage Options
Using Your UTV or ATV for Farm Work?
If you use your ATV, UTV, or utility trailer primarily for agricultural purposes, a farm policy may be a better fit than a standard recreational policy. Farm policies can cover equipment used in the course of farming operations and may offer broader protection for your specific situation.
Learn About Farm InsuranceGet a quote on your recreational vehicle
Tell us what you have and how you use it — we'll find the right coverage.