Recreational Vehicle Insurance Designed Around Your Adventures & Lifestyle
Personalized Coverage Designed to Protect Your
Recreational Vehicle, Wherever the Road or Trail Takes You
Whether you’re planning a weekend camping trip, exploring off-road trails, or spending time on the water, your recreational vehicles deserve protection that’s built for the way you use them. At HomePoint Insurance, we help compare coverage options designed around your recreational vehicles, travel habits, and lifestyle, so you can enjoy every adventure with confidence.
Coverage tailored to your recreational lifestyle
Protection designed around how you travel, ride, and enjoy your recreational vehicles.
Access to top-rated national and regional carriers
We partner with trusted insurance carriers to help your compare coverage options for a variety of recreational vehicles.
Support aligned with your adventure
Whether you’re hitting the road, the trails, or the campground, we’ll help you find coverage that fits your travel and recreational needs.
Nationwide service with local expertise
Receive personalized guidance from experienced licensed insurance professionals backed by the resources of a nationwide agency.
Shopping for Recreational Vehicle Insurance
Doesn’t Have to Be Complicated
Whether you’re planning weekend getaways, exploring off-road trails, or enjoying time at the campground, finding the right insurance shouldn’t slow you down. Coverage options can vary depending on the type of recreational vehicle you use and how you use it. We simplify the process by comparing coverage options, explaining your choices, and helping you find protection that fits your adventures.
Understanding Recreational Insurance
Recreational vehicle insurance helps protect eligible vehicles for leisure and travel, offering financial protection for covered accidents, damage, liability claims, and other unexpected events covered under your policy. Coverage options vary depending on the type of recreational vehicle you own, how it’s used, and your individual insurance needs.
Recreational Insurance Explained
Motorhomes
Coverage for eligible Class A, B, and C motorhomes used for travel and recreation.
Travel Trailers & Campers
Protection for towable campers, travel Trailers, and fifth wheels.
ATVs & UTVs
Coverage for off-road recreational vehicles used for adventure and outdoor activities.
Boats & Yachts
Insurance options for eligible boats, yachts, and personal watercrafts designed to help protect you on the water
Motorcycles
Coverage for motorcycles, cruisers, touring bikes, sport bikes, and custom motorcycles used for recreation or everyday riding.
Other Recreational Vehicles
Coverage may also be available for golf carts, classic cars, snowmobiles, trikes, and other eligible recreational vehicles.
Why Adventurers Choose HomePoint Insurance
Personalized Coverage
Coverage designed around your recreational vehicles, travel habits, and protection needs.
Multiple Carrier Options
Access to trusted national and regional insurance carriers.
Experienced Guidance
Helping you understand available coverage options and make informed decisions.
Ongoing Support
Helping review your coverage as your recreational vehicles and insurance needs change.
Bundle & Save
We help bundle eligible policies to simplify coverage and unlock available savings.
Explore Our Other Insurance Lines of Business
Protect your pet with insurance that helps cover unexpected vet bills — so you can focus on care, not costs.
Your home is your most important asset. We will help design a policy that provides the protection you need
It is important that you have liability protection and coverage for damage to your vehicle in the event you are in an accident.
Umbrella liability insurance takes over where your home and auto insurance leave off.
Flood damage is not typically covered by a homeowner’s insurance policy. 20% of Flood claims are within low risk areas.
While a landlord’s insurance typically covers structural damage, it won’t protect your personal property from fire, theft and other disaster.
Protect Every Adventure with Confidence
Whether you’re exploring new destinations, enjoying weekends outdoors, or traveling with family and friends, the right insurance helps protect the vehicles that make those experiences possible. At HomePoint Insurance, we’ll help you compare vehicle insurance options so you can travel with confidence and focus on the journey ahead.
Coverage subject to policy terms and conditions
Recreational Insurance FAQs
Coverage may be available for motorhomes, travel trailers, campers, ATVs, UTVs, golf carts, dirt bikes, snowmobiles, and other eligible recreational vehicles.
Not always. Many recreational vehicles require their own insurance policy or specialized coverage.
Yes. Many insurance companies offer discounts when eligible recreational vehicle policies are bundled with home or auto insurance.
Some policies offer personal effects coverage. Your HomePoint Insurance agent can explain available options.
Seasonal use doesn't eliminate the need for protection. Insurance can help protect your RV from accidents, theft, weather-related damage, and other covered losses while you're traveling and during the months it's stored.
Seasonal use doesn't eliminate the need for protection. Insurance can help protect your RV from accidents, theft, weather-related damage, and other covered losses while you're traveling and during the months it's stored.
Some insurance carriers offer roadside assistance as an optional coverage. Availability varies by carrier.
Depending on the carrier, you may be able to insure multiple eligible recreational vehicles and qualify for available discounts.
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist Coverage
- Medical Payments/Personal Injury Protection (PIP) Coverage
- Personal Property Coverage
- Vacation Liability (where available)
- Emergency Expense Coverage (where available)
- Roadside Assistance (where available)