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Recreational Vehicle Insurance Comparison Chart

Motorcycle Insurance

• General Description: Coverage for liability and personal injury resulting from an accident involving your vehicle
• Additional Vehicle Types:

  • ATV’s

  • Snowmobiles

  • Scooters

  • Mopeds

  • Dirtbikes

• Coverage Considerations: Trailer to transport the vehicle
• Types of Coverage:
  • Liability only
  • Excess Liability
  • Packages (may include liability, collision and comprehensive)

Watercraft Insurance

• General Description: Coverage for liability and personal injury resulting from loss and/or damage due to an accident. Coverage is also extended to damage caused by fire, collision, storms, theft, or explosions
• Additional Vehicle Types:

  • Pleasure boats 16’-25' 11”

  • Pleasure boats 26’ and greater (cabin cruiser, sailboat)

  • Personal watercraft (jet skis)

  • Non-powered boats (canoes)

  • Commercial boats (ferries)

• Coverage Considerations:

  • Outboard motor for the boat

  • Trailer to transport the watercraft

• Types of Coverage:

  • Outboard motor and boat owners

  • Boat owners or watercraft package

  • Personal yacht

Motor Home/Travel Trailer Insurance

• General Description: Provides coverage for personal belongings, attached items such as awnings and antennas, and expenses due to vacation interruption
• Additional Vehicle Types:

  • Motor Home

  • Travel Trailer

  • Mini-Motor home (typically built upon truck chassis)

  • Conversion van

  • Truck campers

  • Collapsible camper

• Coverage Considerations:
  • Agreed value
  • Total loss replacement
  • Replacement of personal property
  • Attached accessories
  • Vacation interruption
  • Unlimited towing
• Types of Coverage:
  • Liability
  • Personal property

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