What's Covered
Pays to repair or replace your RV or boat after an accident, regardless of fault. Especially important for high-value motorhomes and vessels.
Covers damage from theft, fire, storms, vandalism, and non-collision events. Protects your investment year-round — not just when you're on the water or road.
Covers bodily injury and property damage you cause to others with your RV or watercraft. Required for most boats on Tennessee waters.
Covers your belongings inside your RV — clothing, electronics, camping gear, and personal items. Some policies extend to kayaks, bikes, and accessories towed behind.
If your RV breaks down far from home, some policies cover lodging, meals, and travel expenses while it's being repaired.
If you live in your RV full-time, standard RV policies may not be enough. Full-timer coverage adds the liability and personal property protection that full-time residents need.
Vehicles We Cover
Don't Rely on Your Auto Policy
Your auto policy won't cover a golf cart, ATV, or boat — and a travel trailer is only covered while it's being towed. The moment it's unhitched, parked, or in storage, that protection disappears. Watercraft and powersports vehicles are rarely covered under homeowners policies either. A dedicated recreational vehicle policy fills every gap for less than most people expect.
FAQ
No. Standard auto insurance does not cover ATVs, golf carts, boats, or powersports vehicles. You need a separate policy for each — or a recreational vehicle policy that covers multiple units. Without it, you have no coverage for theft, damage, or liability on these vehicles.
Tennessee does not legally require boat insurance, but many marinas and lenders do. Regardless, the liability exposure from a watercraft accident makes coverage highly advisable — medical bills and property damage from a boating incident can be substantial.
A golf cart policy typically covers liability for damage or injury you cause, physical damage including collision and comprehensive, and medical payments. Standard auto and homeowners policies typically exclude golf carts once they leave your property.
Travel trailers and 5th wheels are only covered under your auto policy while actively being towed. Once parked, unhitched, or in storage, that coverage disappears. A dedicated RV policy covers your unit year-round — on the road, at a campsite, or in storage.
You Might Also Need
We insure the cars and trucks in your household with the same multi-carrier approach.
Learn More →Protect your primary home too — bundle home and recreational vehicle coverage for potential savings.
Learn More →Add an umbrella policy to cover serious liability claims that could arise from recreational vehicle accidents.
Learn More →Tell us about your RV, boat, golf cart, ATV, or powersports vehicle and we'll find the right policy at the best rate.
