Millions of people across the U.S. own recreational vehicles like RVs and ATVs. Whether your adventures take you down the wide open road or the off-road, you take a risk every time you fire up the engine to your RV or all-terrain vehicle. Having the right insurance can ensure you enjoy happy trails no matter what life throws your way.
RV and Trailer Insurance
From small travel trailers and pop-up campers to large RVs and motorcoaches, having the right insurance is essential. After all, an RV is in a category all its own – more than a vehicle but not quite a stationary home. Combining transportation with lodging means finding insurance that is uniquely designed to fit your needs.
At Carrigan Insurance, we can help you find specialized RV and trailer insurance that covers your liability, your vehicle, and all of your belongings. Whether you are skid into a guard rail on the Interstate or a tree falls on your fifth-wheel at a campsite, we have coverage that protects you along the way. Our RV and trailer insurance can include:
Liability Insurance
RVs and campers can inflict a lot of damage on a small vehicle and its passengers. Your liability insurance help pays for medical bills and lawsuits stemming from accidents for which you are at fault. It can also protect you if someone is injured in your RV while parked at a campsite.
Loss Replacement
When your RV or trailer is damaged in a collision or other covered accident, loss replacement can pay to repair or replace it.
Personal Property Loss
There is no need to pack light when you have personal property loss protection. Since your RV houses furnishings, small appliances, clothing, and more, you need insurance that adequately reimburses you if your belongings are stolen, damaged or destroyed.
Emergency Towing and Expense Coverage
No one wants to find themselves stranded on the side of the road. Emergency expense coverage can help cover the cost of towing your RV, as well as reimburse you for the cost of emergency food and lodging.
Do you live and travel in your motorhome full-time? If the wide open road is also home sweet home, we can help you find coverage for that, too. Full-time RV insurance typically protects you when you are parked and have made your RV your residence for an extended period of time.
ATV and UTV Insurance
ATVs and UTVs are small, nimble vehicles that are used for both work and recreational purposes. Whether you use yours to navigate your farm or ranch, or you take it off-roading on the weekends, make sure you are covered in case of an accident, loss or injury.
Like RV insurance, ATV insurance can include:
Liability Protection
When your teenage son takes the four-wheeler off-road and accidentally runs into the side of a parked car, liability helps cover the repairs.
Collision Insurance
If you roll your ATV down an embankment, your collision insurance kicks into to help repair or replace it.
Comprehensive Coverage
Sometimes disaster strikes even when your ATV is not being used. Whether a thief steals it off the back of your trailer or it is severely damaged in a storm, comprehensive protection can help foot the bill.
Uninsured/Underinsured Motorist Protection
Even though your ATV is not used on public roadways, it could still be hit by another vehicle or ATV. If the driver is uninsured or underinsured, this type of coverage helps pay your personal medical bills and the cost of repairs to your ATV.
We can also help you find protection for your accessories, such as a wench and any after-market parts and upgrades you may have added to your vehicle.
For more information about RV and ATVs insurance, contact our office today. We look forward to serving you soon.
