Recreational Vehicle Insurance

Motorhome insurance may include liability, collision, comprehensive, medical payments, and coverage for certain belongings kept inside the vehicle. Depending on the policy, additional options may be available for roadside assistance, emergency expenses, or temporary lodging following a covered loss. Coverage can vary based on the motorhome and how it is used.

Camper insurance may provide coverage for damage to the camper while it is being towed, depending on the policy. Your auto insurance may provide liability protection from the towing vehicle, but that does not necessarily mean the camper itself has physical damage coverage. Reviewing both policies before a Montana road trip can help clarify how the camper is insured.

Boat liability insurance may help with eligible injuries or property damage you are legally responsible for while operating your boat. Depending on the policy, it may also provide protection for certain legal expenses following a covered accident. Boat owners should review their liability limits along with any other coverage included in the policy.

ATV insurance requirements can depend on state regulations, where the ATV is operated, and whether it is financed. Even when insurance is not specifically required for a particular use, coverage may help with risks such as theft, property damage, and liability claims. Montana ATV owners should consider how and where they typically ride when reviewing their coverage.

Jet Ski or personal watercraft insurance may cover accidental damage when collision coverage is included. Comprehensive coverage may also help with certain non-collision losses, such as theft, fire, vandalism, or eligible weather-related damage. The specific protection depends on the policy terms and selected coverage.

Snowmobile insurance may include medical payments coverage for eligible injuries to you or your passengers following a covered accident. Liability coverage may also help when you are legally responsible for another person’s injuries or property damage. Coverage limits and exclusions vary, so Montana snowmobile owners should review their individual policy.

Comprehensive coverage may help with certain weather-related losses, including damage caused by hail, wind, fire, or falling objects. The exact protection depends on the policy and the cause of the damage. This can be particularly relevant for recreational vehicles stored outdoors during Montana’s changing seasons.

Many insurance carriers offer coverage for multiple recreational vehicles. Depending on the carrier and policies available, this could include a boat, camper, ATV, motorhome, Jet Ski, or snowmobile. Watts & Kennedy Agencies can review your recreational vehicles together with your other insurance needs to help identify the coverage options available.

Reviewing your recreational insurance annually can help you account for changes such as purchasing new equipment, selling a vehicle, making upgrades, changing storage locations, or using a vehicle differently. In Eastern Montana, it may also be useful to review coverage before the boating, camping, or off-road recreation season begins.

Watts & Kennedy Agencies is licensed in Montana and has offices in Miles City, Terry, and Forsyth. The agency works with customers throughout the state and focuses on helping clients understand their insurance needs and available coverage options. If you own a camper, boat, ATV, snowmobile, motorhome, or another recreational vehicle, the agency can discuss the coverage that may be available for your situation.