Recreational Vehicle Insurance

Don’t Head Out in Your RV or Motorhome Until You Have Recreational Vehicle Insurance

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ASA Insurance Provides Quality Coverage with Recreational Vehicle Insurance

If you spend time outdoors and own a recreational vehicle, it’s important to make sure you are insured for any accidents that could occur. Enjoy greater peace of mind with the right policy so you can focus on having fun. ASA Insurance can help you find a policy that protects all of your recreational vehicles at an affordable price.

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    While recreational vehicles, such as ATVs and jet skis are a lot of fun, they also carry an element of risk for damage to other property as well as injury to the riders and others. Coverage protects you from liability if your four-wheeler should damage another person’s property either on- or off-road. It also provides coverage to pay for medical expenses if someone should be injured while riding or inside a recreational vehicle.

    This type of insurance covers:

    • ATVs
    • Snowmobiles
    • Boats
    • Jet skis and other watercraft
    • Campers and RVs
    • Trailers

    When you work with ASA Insurance, we can help you find the policy that best meets your needs. We’ll sit down with you and explore your options while explaining all of the terms, requirements and limitations with you. We will help educate you on recreational vehicle insurance, but allow you to make the final decision.

    What to Look for in Recreational Insurance

    For many, affordability is the key. ASA Insurance can help you compare rates and coverage options to ensure you find a premium that fits your budget. In addition, you can find discounts available to help you save more money. Putting all of your recreational vehicles under one provider and pairing it with other insurance, such as homeowner’s or auto insurance, may also help reduce your costs.

    While saving money is always a priority, you also want to work with a company that provides fast, efficient claims service. Many people don’t think about this factor until something happens and they must file a claim. It’s important to work with a company that provides a fast response and ongoing support when an accident happens.

    ASA Insurance will help you find coverage that fits in your budget, making it easy and affordable to gain that peace of mind when you’re out on the road, water or off the beaten path with your recreational vehicles. Contact us today at 801-486-7463 for a competitive quote.

    Recreational Vehicle Insurance FAQs

    Do recreational vehicles need insurance in Utah?

    Yes — RV owners and operators are required to have recreational vehicle coverage, as mandated under Utah’s Financial Responsibility Law which states that all vehicle owners be able to demonstrate proof of insurance.

    Do I need RV insurance?
    Yes, if you own or operate a recreational vehicle that is driven rather than towed, you need RV insurance according to Utah state law.
    How much is RV insurance?

    Costs vary significantly from one policy to the next because they depend on so many different factors. These include: 

    • Age 
    • Gender
    • RV driving experience
    • The age and condition of the motorhome
    • Where the RV will be used 
    • How much the RV will be driven
    • The type of motorhome (Type A, B, or C)
    • Whether the motorhome is a permanent residence or a vacation vehicle
    What does my RV insurance cover?

    The specifics vary from policy to policy. However, in addition to minimum liability requirements and other insurance types including collision and comprehensive insurance, most RV insurance policies include:

    • Total loss replacement
    • Property insurance for the items inside of the RV
    • Vacation or campsite liability
    • Emergency expense coverage 
    • Roadside assistance
    Is RV insurance expensive?
    Prices of RV insurance vary depending on a number of factors. For example, someone who only uses their RV one week per year will likely pay a lot less than someone who uses their RV as a second-home for several months each year. Call us for a quote so we can give you a better idea of what you might pay for RV insurance.
    Does RV insurance cover water damage?
    Water damage in and of itself isn’t typically listed on an RV insurance policy. However, there are several cases where instances of water damage could be covered by your RV insurance, especially if you have comprehensive insurance on your policy. It will also depend on how the water damage occurs and what your policy includes or excludes.

    Be sure to speak with your insurance provider about your options for including water damage on your policy.

    Are recreational vehicles covered under homeowner’s insurance in Utah?
    If your RV is parked in your driveway or stored on your property, they are usually covered under your home insurance policy provided it is listed on your property and you are making a claim for a covered peril. Additionally, your personal belongings inside of the RV are usually covered by the personal property coverage on your home insurance policy in the event they are stolen or damaged.

    Once the RV is being towed or driven, you will need to have auto insurance in place to cover any losses or damages associated with the vehicle. In fact, RV insurance is legally required for owning and operating a recreational vehicle in Utah, much like it is with a personal vehicle.

    We’re Not That Far Away!

    For all of your general liability insurance needs, ASA Insurance in Salt Lake City is just a phone call away! We’ve been finding commercial and personal insurance policies for our clients across Utah since 1950, and we look forward to doing the same for you.