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Personal Insurance

Motorcycle & RV Insurance

Coverage built for how you actually use your motorcycle or RV, whether that's weekend rides or extended trips, not a generic auto policy stretched to fit.

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What it covers

  • Liability for injuries or damage caused while riding or driving
  • Collision and comprehensive coverage for the vehicle itself
  • Coverage for custom parts and equipment, often available as an add-on for motorcycles
  • Vacation liability coverage for RVs used as temporary living quarters while traveling

What it doesn't cover

  • Coverage during a lapse, even a brief seasonal cancellation
  • Full-time or extended-stay RV living, without an upgraded policy built for that use
  • Racing or competitive riding, typically excluded
  • Aftermarket modifications beyond the policy's stated limit, unless scheduled

Who needs this

Motorcycle owners and RV owners, especially those who use their vehicle seasonally and might be tempted to let coverage lapse during the off-season.

From our horror stories

The Motorcycle Nobody Insured for Summer

A rider lets their motorcycle policy lapse over the off-season to save money, then gets back on the road before reinstating it.

Read the full story →
Common questions

Motorcycle & RV Insurance FAQ

Can I cancel my motorcycle policy over the winter to save money?

You can, but it's risky if you ever ride before formally reinstating it. Many riders keep it active year-round specifically to avoid this gap.

Does my RV need different coverage if I live in it part-time?

Yes, likely. Standard RV policies assume occasional recreational use. Extended or full-time use needs broader liability and personal property coverage.

Are custom motorcycle parts covered automatically?

Often only up to a small limit. Significant custom work usually needs to be scheduled or added specifically.

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