Recreational Vehicle Insurance
Get a Great Quote on Recreational Vehicle Insurance
Protect Your Recreational Vehicles
Whether it’s a weekend on the water, a camping trip, or an off-road adventure — your recreational vehicles deserve protection that keeps up with your lifestyle. From boats and jet skis to ATVs and campers, we help make sure your favorite rides and gear stay covered wherever your adventures take you.
Our team partners with leading insurance providers to offer flexible options that fit your needs and budget, so you can focus on having fun — not on unexpected costs.
What’s Included in Recreational Vehicle Insurance
Recreational vehicle insurance is designed to protect a wide range of vehicles and equipment you use for leisure and travel. We’ll help you choose the right plan to safeguard your investments, including:
Boats and Jet Skis
ATVs and Four-Wheelers
Snowmobiles
Motorhomes and Campers
Travel Trailers and Fifth-Wheels
Golf Carts
And more!
Coverage Options for Your
Recreational Vehicles
Many recreational vehicles share similar coverage options to standard motor vehicles. Depending on what you own, your policy may include:
Collision Coverage – Helps cover repair or replacement costs if your RV or vehicle is damaged in an accident.
Comprehensive Coverage – Protects you against non-collision incidents such as theft, vandalism, or weather-related damage.
Liability Coverage – Covers costs if you’re responsible for injuries or property damage while using your vehicle.
Uninsured/Underinsured Motorist Coverage – Ensures you’re protected if someone without proper insurance causes damage to your property or injures you.
Do I Need Recreational Vehicle Insurance?
Whether or not you’re required to have insurance depends on the type of recreational vehicle you own. A simple guideline is the “two-wheel rule” — if it has more than two wheels, it’s typically considered a motor vehicle and requires the same kind of coverage as a car.
Even if insurance isn’t legally required, it’s still a smart choice. Recreational vehicles are costly to repair and often involved in accidents or damage during travel. Having coverage protects you from medical expenses and repair costs, helping you get back to your adventures quickly and stress-free.
Get a Recreational Vehicle Insurance Quote
We make it easy to protect what you love. Our team will compare policies and premiums from multiple trusted providers to find the coverage that fits you best — with options for savings and discounts along the way.
Whether you’re buying a new toy or reviewing your current policy, we’ll help you keep your adventures safe for years to come.
Freqeuntly asked questions
How is my premium determined, and what factors affect the cost?
Your premium is based on a few key factors: the amount of coverage you select, the level of risk associated with what you are insuring (e.g., your driving history, home's age, or health profile), and your deductible amount. Choosing a higher deductible typically lowers your monthly premium, as you take on more risk before the insurance pays out.
How do I file a claim, and what documents do I need to speed up the process?
You can typically file a claim directly through our website, mobile app, or by calling our 24/7 claims line. To speed up the process, you should immediately gather photos of the damage, police reports (if applicable), and detailed receipts or records of the items involved.
What is the difference between my deductible and my premium?
Your premium is the recurring amount you pay (usually monthly or annually) to keep your insurance policy active. Your deductible is the amount you agree to pay out-of-pocket before your insurance coverage starts paying for a covered claim.
At Squirrel Insurance, we understand the instinct to protect what's most precious: your family's future. Like a busy squirrel planning for winter, we help you secure your financial safety net.