Recreational Vehicle Insurance

Coverage that goes wherever you play

Whether you’re cruising Michigan lakes, riding forest trails, or road-tripping in your RV, recreational vehicles bring freedom—but also risk. Standard auto or homeowners policies usually don’t fully cover these vehicles, which is why separate recreational insurance is essential.

At The Lapeer Agency, we provide tailored protection for everything from boats and personal watercraft to snowmobiles, side-by-sides, and RVs. We’ll help you understand what’s covered, what’s optional, and what makes the most sense for your gear, lifestyle, and seasonality.

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What This Insurance Can Cover

Flexible policies built for real adventures.

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Physical Damage Coverage

Pays to repair or replace your recreational vehicle after a crash, storm, or vandalism.

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Liability Protection

Covers injury or property damage you cause while riding, boating, or towing your equipment.

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Medical Payments

Helps cover costs if you or your passengers are injured while using a covered vehicle.

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Accessories & Gear

Covers custom parts, trailers, riding gear, and equipment like trolling motors or snowmobile helmets.

Frequently Asked Questions

Helping Michigan riders, boaters, and adventurers stay covered.

  • What types of vehicles are covered?

    We insure RVs, ATVs, UTVs, boats, jet skis, snowmobiles, and more. If it’s for fun and needs fuel—it probably qualifies.

  • Can I pause my policy during the off-season?

    Yes. We’ll help you adjust coverage to reflect storage periods without losing key protections like theft or fire.

  • Does my auto or homeowners insurance cover these vehicles?

    Not fully. Most policies exclude recreational vehicle use or offer very limited protection. Separate policies are strongly recommended.

  • Are passengers covered under this policy?

    Yes, medical payments coverage can help with injuries to riders or guests—whether you’re driving or parked.