Recreational Vehicle Insurance
What better way to enjoy the great outdoors than with your recreational vehicle. Spending a day at the lake on your pontoon boat or riding your snowmobile through the backcountry on a beautiful winter day are exciting outdoor activities you and your friends and family can share.
Like your house and car, protecting your recreational vehicle with insurance coverage based on your specific needs is a must. We can provide knowledgeable insights and guide you to a policy tailored to your active lifestyle vehicles. Contact Us to learn more.
- RV Camper
- Off-Road Vehicles
- Jet Ski
- Snowmobile
- All Boats
- ATV’s
- UTV’s
- Buggies and Side by Sides
Is recreational insurance the same for every type of vehicle?
No. Motorhomes, campers, boats, ATVs, Jet Skis, and snowmobiles each have different risks and coverage needs. The right policy depends on the type of recreational vehicle and how it is used.
Can recreational insurance help after an accident?
Recreational insurance may help pay for repairs, medical expenses, or property damage after a covered accident. The amount of protection depends on the coverage and limits selected.
Does motorhome insurance cover both driving and camping?
Motorhome insurance can provide protection while the RV is being driven and while it is being used as a temporary living space. Coverage may include liability, physical damage, personal belongings, and emergency expenses.
Do I need insurance for a camper stored at home?
A camper can still be damaged by theft, fire, storms, or vandalism while it is stored. A camper policy may provide more complete protection than a standard homeowners policy in Missoula, Montana.
What does boat collision coverage pay for?
Boat collision coverage may help pay to repair or replace your boat after a covered accident with another boat, dock, or object. A deductible usually applies.
Can ATV insurance cover damage caused by another rider?
Coverage may apply if an approved rider damages the ATV during a covered accident. The rider may need to have permission, meet age requirements, and follow the policy’s rules.
Does Jet Ski insurance cover the trailer?
Some personal watercraft policies offer coverage for the trailer used to transport the Jet Ski. Trailer coverage may also be available through a separate policy or endorsement.
What information is needed to insure a snowmobile?
An insurance company may ask for the snowmobile’s make, model, year, value, vehicle identification number, and storage location. Information about the riders and how the snowmobile is used may also be required.
Can recreational insurance cover damage caused by animals?
Comprehensive coverage may help pay for certain damage caused by animals, such as a collision with wildlife. Coverage details can vary by policy and insurance company in Montana.
Should I insure recreational vehicles during the off-season?
Keeping coverage during the off-season can help protect a recreational vehicle from theft, fire, vandalism, and weather damage. Owners in Missoula should review their policy before reducing or canceling seasonal coverage.
The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.
Rollins Insurance Agency
1727 South Ave. West
Missoula, MT 59801
Phone: (406) 830-3073
Email: josh@rollinsagency.com
We are licensed to in Montana
Hours of Operation
Monday - Thursday: 9:00 am - 5:00 pm
Friday: 9:00 am - 3:00 pm
Closed Saturday and Sunday
