Recreational Vehicle Insurance That Keeps You Covered Year-Round
From ATVs and snowmobiles to RVs and trailers, we help protect your vehicles so you can enjoy them with confidence.
Recreational Vehicle Coverage
Recreational vehicle insurance is designed to protect your vehicle and related equipment from a range of risks. Coverage can include:
- Damage from collision or accidents
- Theft or vandalism
- Fire and weather-related damage
- Coverage for attached accessories and modifications
We help ensure your vehicle is properly valued and insured based on its type, usage, and overall value.
Types of Vehicles We Cover
We provide coverage for a wide range of recreational vehicles, including:
- ATVs and side-by-sides
- Snowmobiles
- Motorhomes and RVs
- Travel trailers and fifth wheels
- Dirt bikes and off-road vehicles
Whether you own one vehicle or multiple, we help structure coverage that fits your lifestyle.
Liability Coverage
Liability coverage is an important part of any recreational vehicle policy.
It protects you if you are found legally responsible for injury to others or damage to property while operating your vehicle. This can include:
- Injury to passengers or other riders
- Damage to property or other vehicles
- Legal defence costs associated with a claim
We help ensure your liability limits are appropriate based on how and where your vehicles are used.
Seasonal Use & Storage Considerations
Many recreational vehicles are used seasonally, which creates unique insurance considerations. This includes:
- Off-season storage and security
- Transportation to and from usage locations
- Limited or occasional use
- Exposure to weather-related damage while stored
We help ensure your coverage reflects how your vehicles are used throughout the year — not just when they’re in use.
Multi-Vehicle & Bundled Coverage
Many clients own multiple recreational vehicles along with their home and auto policies. We help coordinate coverage across:
- Multiple recreational vehicles
- Home and seasonal properties
- Auto and watercraft
This allows for a more consistent and streamlined insurance program.
Coverage Options & Considerations
Choosing the right recreational vehicle insurance depends on:
- Type and value of your vehicle
- Frequency and location of use
- Storage and transportation
- Liability exposure
- Additional equipment or modifications
We take a practical approach to help you select coverage that balances protection and cost.
Why Choose Coughlin Insurance?
We focus on making insurance simple so you can focus on enjoying your time.
Access to multiple insurance markets
Flexible coverage options for different vehicle types
Clear, straightforward advice
Ability to coordinate coverage with your home, auto, and other policies
Support when you need it, including claims assistance
Frequently Asked Questions
Do I need insurance for recreational vehicles?
While not always required, it is strongly recommended to protect both your vehicle and liability exposure.
Is my vehicle covered while in storage?
Yes — policies can include coverage during off-season storage, but it’s important it’s structured properly.
Can I insure multiple recreational vehicles together?
Yes — we can help combine coverage where appropriate.
Does this include liability coverage?
Yes — liability coverage can be included to protect against injury or property damage claims.
Do I need liability insurance if I don’t have a physical location?
Yes — liability exposure can still arise from your operations, services, or products.
Let’s make sure your recreational vehicles are properly protected — on and off the trail.
