Recreational Vehicle Insurance

Motorhomes driven on public roads in Tennessee generally need liability insurance. If your motorhome is financed, your lender may also require additional coverage for physical damage. Goss Insurance can help you understand your coverage options before you hit the road.

Camper insurance with comprehensive coverage may help cover a stolen camper. Comprehensive coverage can also help with certain losses caused by fire, vandalism, falling objects, and severe weather — all worth considering when your camper is stored between trips.

Some boat insurance policies can include coverage for fishing rods, tackle, electronics, and other equipment kept on board. Coverage limits can vary, so it’s important to discuss valuable gear with your agent when setting up your policy.

ATV collision coverage may help pay for repairs when your ATV is damaged in an accident involving another vehicle or object. A deductible generally applies, and the amount of coverage available depends on your policy.

If you’re financing a Jet Ski, your lender may require insurance before you can take ownership. Even when insurance isn’t required, having coverage in place before you take your new watercraft out on the lake can help protect your investment.

Some snowmobile policies offer medical payments coverage that may help with certain injuries to you or your passengers after a covered accident. Available coverage and limits vary by policy, so an agent can help you determine what options are available.

If your policy includes comprehensive coverage, it may help pay for damage caused by vandalism. This can be particularly useful when your recreational vehicle is stored for an extended period between trips or during the off-season.

In many cases, you can add coverage when you purchase another recreational vehicle. Whether you’re picking up a camper for weekend trips, a boat for the Tennessee River, or an ATV for exploring local trails, your agent can review the available coverage and any potential multi-policy savings.

Think about what you’re insuring, its value, how frequently you use it, and where it will be stored or operated. You’ll also want to consider the liability protection and deductibles that fit your situation. Goss Insurance can help you compare your options and find coverage suited to how you actually use your recreational vehicle.

Coverage while your boat is stored at home can depend on the policy and how the boat is being stored. Your homeowners policy may offer limited protection, but it may not provide the same coverage as a dedicated boat policy. Goss Insurance can help you look at both policies together so you know where your coverage begins and ends.