Recreational Vehicle Insurance

recreational vehicle insurance

Consider Insurance For Your Snowmobile, ATV, and Motorcycle

After months of cold weather, it’s common for Michiganders to bring out their ATVs, motorcycles, and UTVs every spring.

However, it’s important not to get too ahead of yourself; if your recreational vehicles get damaged, you’ll want to have insurance to cover the cost.

At Insurance Network Agency, we can help you find the best insurance for your recreational vehicles at the lowest possible rate.

Interested in getting insurance for your recreational vehicle? Contact us today to get a quote.

Insurance For Your Recreational Vehicle

The cost of recreational vehicles, even used ones, have increased over the last couple years. Make sure you have a conversation with your carrier on the total value of your physical damage coverage for your recreational vehicle.

Interested in getting insurance for your recreational vehicle? Contact us today to get a quote.

Recreational Vehicle Insurance Coverage Options

There are a few coverages when it comes to recreational vehicle insurance, such as:

recreational vehicle insurance

Bodily Injury Liability

If you injure or kill someone while operating your recreational vehicle, this coverage insures you against certain damages. Additionally, it provides you with legal defense.


Collision Coverage

If you collide with another vehicle or object, this pays for the covered damage to your vehicle.

comprehensive coverage

Comprehensive Coverage

If your vehicle is involved in an incident such as fire, theft, or vandalism, comprehensive coverage pays for the covered losses.

property damage liability

Property Damage Liability

If you cause certain damages to another person’s property while operating your recreational vehicle, this coverage insures you against those damages. Along with bodily injury liability, it provides you with legal defense.

Tips on Keeping Insurance Costs Low

Similar to personal and commercial auto insurance, there are multiple factors that can impact the cost of your insurance plan.

This is why as a precaution, we recommend the following:

Drive Safe

As expected, your rates will be higher if you have claims on your insurance policy or violations on your driving record.

This is why you should always wear a helmet, drive the recommended speed and most importantly, know how to operate your vehicle before getting behind the wheel.

Carefully Choose Your Recreational Vehicle Model

Various models of recreational vehicles are considered “more aggressive” machines. These models typically cost more to insure. While it may be fun to have a more aggressive vehicle, the cost to insure it may not be.

Own (and Insure) More Than One Recreational Vehicle

Did you know that if you insure more than one specialty vehicle on your policy, a majority of carriers will offer you a discount?

Therefore, if you have an ATV, UTV, a motorcycle, and a snowmobile, you could receive a multi-unit discount on your insurance.

No matter if you’re a current client or a potential client, we’re here to help you do the heavy lifting. Contact Insurance Network Agency today to get started.

BBB Insurance Network Agency Accreditation


Our agents are ready to ask the right questions to help you get the best coverage at the best price. Request a proposal now.

Insurance Network Agency

Battle Creek, Michigan
732 Capital Avenue, SW
Battle Creek, MI 49015
(269) 968-0577

Monday - Friday: 8:30 am - 5 pm

Smith Pulling Insurance Agency

Albion, Michigan
800 South Superior Street
Albion, MI 49224
(517) 629-5555

Monday - Friday: 8:30 am - 5 pm

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