Recreational Vehicle Insurance Overview

We use recreational vehicles to escape, not to be stranded.  Make sure your coverage doesn't leave you stranded!

Motorcycle Coverage

Is motorcycle insurance required?

Motorcycle insurance is mandated in nearly every state. If you ride without insurance, you could get a fine, have your license revoked, be sued, or even land in jail. While most states require a minimum amount of liability coverage, comprehensive and collision coverage are optional unless you're financing your bike, in which case your financing company may require those coverages. Even when motorcycle insurance isn't required, carrying a policy can be critical in protecting your bike against damages and your assets if you're liable in an accident.

How does motorcycle insurance work?

We will ask some basic questions about you, your bike, and your desired coverages. All these factors will affect your motorcycle insurance coverage and cost. If your bike is damaged or stolen, or you're in an accident and liable for another person's injuries or damages, you can file a claim with your insurer. If your claim is covered, your insurance will pay for losses or injuries up to your coverage limits. How much your insurance provider covers depends on the coverage limits you choose when buying your policy.

What does motorcycle insurance cover?

Motorcycle insurance covers mishaps that can happen while you're on or off the road. Here are the most common coverages on a motorcycle policy:

  • Liability: Liability coverage is mandatory in most states and can pay for damages to other vehicles or objects, injuries to other drivers and passengers, and lawsuits if you're sued due to an accident.

  • Comprehensive: Comprehensive coverage is typically required if you're financing or leasing your bike and protects against events beyond your control, including theft, vandalism, windshield damage, fire, hitting an animal, and acts of nature.

  • Collision: Collision coverage is also usually required by your lender and can pay for damages resulting from a crash with another vehicle or object or if your bike overturns, regardless of who's at fault.

  • Uninsured/underinsured motorist property bodily injury and property damage: Uninsured motorist (UM) and underinsured motorist (UIM) coverages pay for repairs or replacement of your bike up to your policy's limits if your motorcycle is damaged by a motorist with no insurance or without enough coverage. UM and UIM coverages also cover your injuries, up to the limits of your policy, if you're hit by an uninsured or underinsured motorist.

  • Medical payments: This coverage pays for medical expenses for you and your passengers if you're in an accident, regardless of fault.

 
Extra coverages
Brand new motorcycle if you total yours

Total loss coverage: If you have a newer bike and it's totaled in a covered accident, it pays the full manufacturer's suggested retail price for a new motorcycle, minus your policy's deductible.

 

Suppose you bought your bike for $20,000 a couple of years ago. Now it may only be worth $15,000 after depreciation. However, if the bike's latest model costs $20,000, that's the amount you'll receive after paying your deductible.

Towing

Roadside assistance and trip interruption: If you're within 100 feet of the road and your bike becomes disabled, coverage will tow it to the nearest repair facility for free. You can also add "trip interruption" coverage, which pays for food, transportation, and hotel expenses up to $500 per incident. Keep in mind that roadside assistance must be purchased before you can add trip interruption coverage.

Belongings on your bike

Carried contents and personal belongings: Covers personal items you carry on your motorcycle if they're damaged due to a covered loss. Covered items include phones, laptops, apparel, camping, and hunting gear.

Disappearing deductible

For every claim-free policy term, the carrier subtracts a percent from your deductible amount.

 

For instance, if you buy a Progressive motorcycle policy and your collision deductible is $1,000, they will lower it to $750 if you haven't filed a claim by your first renewal. If you're still claim-free at your next renewal, your deductible amount will drop another 25% — and so on, all the way down to $0.

Lost wages if you get injured

Enhanced injury protection: If you're unable to work due to an injury in a covered accident.  For example, Progressive will pay you up to $250 per week for two straight years. If you're in a fatal accident, they will pay $25,000 to your beneficiaries.

Full value for replacement parts

If you're in a covered accident, this coverage will restore your damaged bike to pre-accident condition or better.

 

Suppose your bike's five-year-old front tire with 10,000 miles has a depreciated value of $50, but a new one costs $150. With a no depreciation policy, you will be covered $150 for a similar replacement tire.

What doesn't motorcycle insurance cover?

Motorcycle insurance policies won't cover the following:

  • Track days or competitions: If you ride your bike in races, timed events, speed tests, or on a track, you're typically excluded from coverage.

  • Commercial use: If you use your motorcycle for business purposes, you may not be covered while on the job. If you regularly use your bike for work (outside of commuting), consider a commercial vehicle insurance policy.

  • Wear and tear: Depreciation of your bike is never covered by motorcycle insurance.

How is the cost of motorcycle insurance determined?

Insurers will consider a variety of factors, and pricing all comes down to risk: How likely are you to have an accident or claim, and what will it cost to repair or replace your bike? Here are some of the factors that will determine your price:

  • Riding history

  • Type of bike

  • Age

  • Location

  • Coverage selection

 

ATV / UTV Coverage

Is ATV/UTV Insurance Required?

ATV/UTV insurance is required by law— if you leave your property.  If you financed your ATV/UTV your lienholder will require you to carry a comprehensive and collision coverages until the vehicle is paid off.

 

While a policy functions much like motorcycle insurance, one important distinction is that insurance coverage for off-road vehicles isn't always mandated by law because they're not typically driven on standard roadways, and some states ban them on roadways altogether. Registration requirements and insurance regulations may differ in states depending on where the vehicle is being driven. Check out the laws in your state to see if you’re required to have ATV insurance by law.

What is ATV/UTV or Off-Road Vehicle Insurance?

ATV/UTV insurance is built to protect you and your off-road vehicle, whether you ride an ATV, UTV, or side-by-side. And while many states do not require insurance for ATV, UTV and similar off-road vehicles, it may be required at certain private trails and parks where you plan to ride. Also, because these types of vehicles are typically ridden on rough terrain, comprehensive and collision coverage may help repair your off-road vehicle if you run into the unexpected.

What Are Off-Road Vehicles?

The term "off-road vehicle” describes any motorized vehicle that can travel across mud, snow, sand, and other challenging terrains. Side-by-sides have a more traditional steering wheel and get their name from the two seats that sit beside one another (although some have a single bench seat, and larger versions may also feature back seats). ATVs, on the other hand, have handlebars more like a motorcycle. Dune buggies are specific off-road vehicles with oversized tires built to traverse beaches or desert landscapes.

Do I Need ATV/UTV Insurance?

Even if there are no insurance requirements in your state, it’s worth considering in case you have an accident and don’t have the funds immediately available for a full replacement of your off-road vehicle. And, because ATVs aren’t ridden on typical roadways, passengers are more prone to injury due to the rough terrain. Liability coverage may help protect you — and your assets — in the event of an accident.

What Does ATV/UTV Insurance Cover?

ATV/UTV insurance policies can include the following standard coverages:

  • Bodily injury liability coverage: Pays for injuries you cause to someone while riding your off-road vehicle, up to your policy's limit.

  • Bodily injury property damage: Pays for damages to someone else's property if you're liable in an accident, up to your policy’s limit.

  • Collision coverage: If your ATV collides with another vehicle or object, collision can pay to repair or replace your vehicle, minus any deductible.

  • Comprehensive coverage: Covers events outside of your control, including theft, vandalism, hitting an animal, fire and weather-related damage, minus any deductible.

Learn more about specialized coverages for your ATV or UTV.

Are ATVs/UTVs Covered by Homeowners Insurance?

In most cases, homeowners insurance doesn't cover off-road vehicles – and this is especially true once the vehicle is driven off your property. Much like your motorcycle, your ATV or off-road vehicle needs its own insurance policy.

 

However, your home insurance policy’s personal liability coverage policy may provide some protection, up to your policy’s limits, if someone else is injured while riding an ATV on your property. But keep in mind, there could be exceptions, depending on your coverage.

 

RV / Travel Trailer Insurance

Is RV Insurance Required?
Liability

Pays for damages and/or injuries you cause. Liability coverage is required by law if you drive your motorhome. However, when insuring a travel trailer, you won’t have the option to select liability coverage because your trailer is pulled by a motor vehicle. Just make sure you have liability coverage on the vehicle that tows your travel trailer.

 

Example: You cause an accident while driving your motorhome, damaging another vehicle and injuring the driver. RV liability insurance pays for the driver’s medical bills and vehicle repairs, up to your policy’s limits.

What Does RV and Travel Trailer Insurance Cover?

Regardless of your motorhome or trailer type, RV insurance protects your vehicle if it’s damaged in an accident. You can also get protection for personal belongings inside your RV, as well as liability coverage on the road and when your RV is parked. Additionally, you’ll be able to choose medical payments to cover medical bills for you and your passengers if you’re in an accident, plus roadside assistance and emergency expense coverage.

Comprehensive and Collision

Comprehensive covers your RV for events beyond your control: theft, vandalism, fire, glass breakage, weather-related incidents, and collisions with animals. Collision will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault. A deductible applies for both comprehensive and collision.

 

Example: Your travel trailer is damaged by hail while parked at a campsite. Comprehensive pays for the repairs, minus your deductible.

Uninsured/Underinsured Motorist (UM/UIM)

If you’re hit by a motorist with no insurance or not enough insurance, UM/UIM can pay for your injuries, damages to your RV, and lost wages if you can’t work.

Example: You’re rear-ended by a driver with no insurance. Your motorhome is damaged and one of your passengers is injured. UM/UIM covers, up to your policy’s limits, the repairs to your RV and your passenger’s medical bills.

Medical Payments

Covers medical bills for you and your passengers if you’re in an accident with your motorhome, regardless of fault. Note that medical payments don’t apply to travel trailer policies.

 

Example: Your spouse is injured in a fender bender while traveling in your motorhome. Medical payments will pay for your spouse’s hospital bills, even if the accident was your fault.

Extra RV Coverages

Roadside Assistance

We’ll tow you to the nearest repair facility if your motorhome or travel trailer is disabled within 100 feet of a road or highway. Our roadside assistance covers fuel delivery, mechanical breakdowns, flat tires, and dead battery replacement.

Total Loss Replacement - where available

If your motorhome or travel trailer is totaled in an accident, coverage will pay for a brand new one. That means if you paid $55,000 for your RV last year and it’s only worth $45,000 today, the carrier will replace it with a new RV of the same model year or later and the same trim level or better—even if it costs more than what you originally paid. If you decide not to replace the vehicle, you will be reimbursed for the original purchase price. Keep in mind, if your RV is more than five years old, this coverage covers the amount specified on your policy. A deductible applies in either scenario.

Personal Effects

Get coverage, up to a specified amount, for personal items inside your RV, such as your smartphone or camera equipment.

Vacation Liability

If someone is hurt in or around your RV while you’re on vacation, you’ll have liability coverage.

Full Timer’s Liability

Provides coverage up to a specified limit if you’re liable for injuries in and around your RV. Full timer’s liability is meant for those who use their RV as a permanent residence.

Loss Assessment

Covers any fees or charges from your RV association. For instance, your RV association may mandate that members help pay for damages to shared areas caused by a storm.

Emergency Expense Coverage

Coverage for transportation and hotel costs if you’re on vacation and your RV is disabled in a covered incident more than 50 miles away from your home.

Pet Injury Coverage

If your dog or cat is injured in an accident while riding in your RV, coverage for their vet bills (subject to coverage limits). 

Roof Protection Plus® - Progressive

Progressive’s Roof Protection Plus coverage can pay to repair or replace the damaged roof of your motorhome or non-stationary travel trailer. Wear and tear to the roof of your RV is also included, as well as damage to your vehicle caused by the roof’s malfunction. This coverage can be purchased for motor homes and travel trailers less than six years old. A $250 deductible applies.

Pest Damage Protection

If your motorhome or non-stationary travel trailer is damaged by a non-domesticated animal, such as a bird, rodent, or mouse, pest damage protection can pay for the repairs. Your RV must be less than six years old to be eligible for coverage and a deductible applies.

 

Boat / Yacht / Personal Watercraft Insurance

Coverage simply isn’t the same everywhere. We offer many of the same standard coverages other agents do, but we offer more unique boat coverage options—many of which don’t cost extra.

Full Replacement Cost

If you carry comprehensive and collision coverage, coverage can pay what it costs to return your watercraft to its pre-accident condition or better.

Example: You hit a submerged object, damaging your 10-year old motor. It may only be valued at $3,000 but costs $8,000 to replace. If we can’t repair it, we’ll replace it. This saves you $5,000 in depreciation.

Bodily Injury & Property Damage Liability (BI/PD)

Bodily injury liability covers you if you’re in a boat accident and liable for injuring others. Liability boat insurance also pays to repair or replace any watercraft, object or other property you damage while boating, plus legal expenses if you’re sued.

 

Example: You crash your boat into the pier when trying to dock it, causing thousands in damage and injuring people on the pier. Liability will pay for the pier damage and people’s injuries up to your policy’s limits.

Fuel Spill

Progressive pays for fuel spills, no matter how the spill happened: sunken boat, leaking tank, or a mishap at the fueling station.

 

Example: Your boat sinks in a nature reserve and the government issues you a fine-claiming your fuel spill threatens marine life and makes the water unsanitary. Progressive will pay the fine up to your policy’s limits.

Wreckage Removal

If your boat sinks, we’ll cover the cost of removing your boat from the water (if removal is legally required).

 

Example: In a heavy storm, your docked boat sinks, so the marina mandates that you remove it or pay a fine. Coverage will take care of removing your boat, so you can avoid any fees.

Roadside Assistance

This coverage comes standard if you have trailer coverage on your policy—coverage pays to tow your disabled vehicle to the nearest repair shop. Ask how boat roadside assistance works.

 

Example: You’re hauling your boat to the lake, and your vehicle breaks down or runs out of gas. Coverage pays to tow your vehicle and watercraft to the nearest repair shop.

Water sports coverage

Water sports coverage pays for any injuries or damages you caused from tubing, knee boarding, wake boarding, wake surfing or other similar activities. Parasailing, kite boarding or other activities in which someone is pulled through the air won’t be covered.

 

Example: Your child’s friend is injured while tubing on your boat. Water sports coverage will kick in and pay for their medical bills up to your policy’s limits.

Optional Boat Insurance Coverages
Total Loss Replacement

Possibly available for purchase if you’re the original owner of your boat and it’s no more than one model year old. If your boat is totaled within 5 model years, coverage will buy you a new one or give you the amount that you originally paid for your totaled boat—your choice. If you’re outside the 5 model-year window, coverage will still give you the original purchase price of your boat.

 

Example: You bought a new boat 3 years ago for $15,000, but it’s now only worth $10,000. If you have a total loss, it’s going to cost you at least $15,000 to buy a brand new one. So, they’ll spend the $15,000 and save you $5,000 in depreciation.

Sign & Glide® On-Water Towing - Progressive

If your boat is disabled or breaks down on the water, boat towing insurance pays for on-water towing, jump starts, soft un-groundings, and fuel delivery if your boat is disabled on the water. Just call our dispatch center, and we’ll arrange for and pay the tow operator directly. You pay nothing out of pocket for boat towing service. See how Sign & Glide works.

Fishing Equipment or Carry-On Items

You can get full replacement for fishing equipment and personal property such as scuba gear, phones or other items that you carry on board and are lost or stolen.  Coverage limits apply.

Example: $5,000 worth of fishing equipment is stolen from your boat, but it’s a few years old and only worth $2,000. Progressive pays what it costs to buy brand new equipment (of similar models). That could be $5,000 or even more.

Propulsion Plus® Mechanical Breakdown Coverage - Progressive

We’ll pay to repair or replace the lower unit of an outboard motor, or upper & lower units of an inboard/outboard motor if you have a mechanical breakdown. And yes, we’ll still cover it if it’s caused by general wear and tear. Starts at $38/year. Propulsion Plus does not apply to jet drives or inboard motors.

 

Example: Your 10-year old lower unit simply runs its course and dies on you. Typically, insurance wouldn’t pay for that because wear and tear is not covered. This coverage is different. Add Propulsion Plus, and, if it can’t be repaired, we’ll replace it with a brand new one.

Comprehensive & Collision

These are two separate coverages. Comprehensive covers events out of your control, such as theft, vandalism, sunken boat, fires, heavy winds, hurricanes, and other weather-related damage. Collision covers damage from boating accidents, such as hitting a submerged object, dock, another boat, and even covers any injuries to pets on your boat, etc.

Example: Heavy winds rip the sails off your boat, causing thousands in damage. If you have comprehensive, we’ll pay for the damage, minus your deductible.

Example (Collision): You hit a submerged object and damage your boat and your dog is hurt in the accident. We’ll pay for damage to your boat, minus your deductible, and injuries to your dog (up to $1,000).

Uninsured/Underinsured Boater (UB/UIB)

If you’re hit by a boater with no insurance or not enough insurance, UB/UIB will pay for your injuries and damages up to your policy’s limits.

Example: Another boater without insurance hits you and injures everyone on board. The boater is uninsured and can’t afford to pay out-of-pocket for the injuries caused. UB/UIB will pay for what the boater is liable for, up to the limits you select.

Medical Payments

You can pick a range of coverage limits to pay for you and your passengers’ medical bills if you’re in an accident or someone is hurt on your boat.

 

Example: You’re fishing and accidentally cut your hand with a sharp hook. You need stitches and have an expensive medical bill. Your health insurance company says they won’t pay the bill because you haven’t reached your deductible. So you can instead use your medical payments coverage, which has no deductible.

Trailer Trip Interruption

Pays your expenses if you break down at least 100 miles from home.  Coverage limits apply.

Why You Need Specialized Boat Insurance Coverage

Boat insurance is not required in all states. However, if you finance your boat or dock it at a marina, you may be required to have a specialty boat policy. Get more information on boat insurance requirements.

Off the water, you may be able to insure your boat on your homeowners policy. But homeowners policies typically cover small low-powered watercraft and offer few optional coverages. That’s why so many boaters choose specialized policies. 

 

Golf Cart Insurance

Do You Need Golf Cart Insurance?

Insurance requirements for golf carts will vary by state, but it’s worth having a golf cart insurance policy even in states that don’t mandate one—especially if you plan to drive your golf cart around your neighborhood. Your homeowners insurance may not cover you away from the fairways, but golf cart insurance does.

What Is The Average Cost of Golf Cart Insurance?

Golf cart insurance rates vary based on the coverages you select and the make and model of your golf cart. Your age and driving history also factor into the price.  Policies start as low as $100/annually.

Bodily Injury and Property Damage Liability

Although not required in every state, golf cart liability insurance can protect you if you’re liable because you injured someone or damaged their property while riding your golf cart. Your court costs and legal fees are also covered up to your policy’s limits.

Guest Passenger Liability

If passengers are injured while riding in your golf cart, guest passenger liability will pay for their injuries up to the limits of your policy.

Uninsured/Underinsured Motorist Bodily Injury and Property Damage

Covers you and any passengers while riding in your golf cart if you’re injured by another driver with no insurance or not enough insurance. You’re also covered if an uninsured or underinsured driver damages your golf cart.

Comprehensive and Collision

If your golf cart is vandalized or stolen, comprehensive pays to repair or replace it. Additionally, comprehensive covers damage from a fire, hitting an animal, an act of nature or glass breakage. If you’re in an accident with another golf cart, object, or even a vehicle on the street, collision coverage will pay for your golf cart’s repairs or replacement.  If you’re financing your golf cart, your lender may require you to carry comprehensive and collision.

Medical Payments

Medical payments coverage pays for your hospital bills if you or your passengers are injured in a golf cart accident. While medical payments are optional, coverage is vital if you or your passengers don’t have health insurance.

Accessory Coverage

You may have added a radio, headlights, seat covers or even a custom paint job to your golf cart, and you’ll want to make sure your upgrades are covered.  Coverage limits apply.

 

Snowmobile Insurance

Is Snowmobile Insurance Required?

Snowmobile insurance is mandatory in some states, and may also be required in certain snowmobile parks. And if you financed your snowmobile, your lender may require you to have coverage. Snowmobile accidents are common, whether you collide with an object or fall through the ice, so it's wise to be properly protected even in states where snowmobile insurance is optional.

How Much Is Snowmobile Insurance?

Snowmobile insurance rates will largely depend on your location, age, driving/riding history and the make and model of your machine.

STANDARD COVERAGES
Bodily Injury and Property Damage Liability

Pays for injuries and/or property damage you cause to others while riding your snowmobile, up to the limits of your policy.

Uninsured/Underinsured Motorist Bodily Injury and Property Damage

If you're injured by another rider with no insurance or not enough of it, your UMBI/PD kicks up to your policy's limits.

Comprehensive and Collision

Comprehensive pays to repair or replace your snowmobile if it's stolen or vandalized. You're also covered for damage from fire, hitting an animal, or weather-related incidents. Collision covers your snowmobile if damaged in an accident with another vehicle or object.

Medical Payments

Pays for hospital bills, regardless of fault, if you, your passengers, or anyone involved in a snowmobile accident is injured.

Accessories and Custom Parts/Equipment

If you've made enhancements or upgrades to your snowmobile that weren't factory installed, accessory and custom parts/coverage equipment automatically provides up to coverage limits if you have comprehensive and collision on your policy.