There are very specific rules when it comes to RVs and the coverage provided by the carrier. Sometimes coverage may be neglected or assumed. With RVs, considerations like whether the vehicle is being driven off road or over the road must be taken into account. Other questions, like is it plated, must it be registered with the state and what size is the engine must be asked. If these questions are overlooked, it could jeopardize your coverage. Below is additional information about your specific type of vehicle and how we can make sure you have the appropriate coverage.

Motorhome

DVA Insurance covers everything from small, pull behind trailers to mammoth, cross-country motorhomes. Keep in mind that towing or flat tires can be much more expensive for RVs, so it’s important to have the right coverage. Knowing whether you park it in the winter or use it all year round, as well as how much personal property you store in it, is used to determine what other types of insurance you may need in addition to RV Insurance.
Something to think about:
Did you know cars that are pulled behind a motorhome need to be insured as well?

ATV

Depending on the cc’s, some ATVs can be covered under your home policy. To make sure it has the proper coverage, we’ll need to know whether your ATV is used at a hunting camp where other people have access to it. Where it’s stored matters, too, so be sure to let us know all the details.
Something to think about:
Racing ATVs are not the same as recreational ATVs, and must have different insurance.

Golf Cart

You may not think a golf cart at a marina or cottage needs to be insured, but it does. Especially if it’s been modified or it’s driven on the street. If it’s used at home, however, you may be able to get it partially covered under a home policy.

Snowmobile

Snowmobiles come in all shapes and sizes—from little kid versions to 100 mph racing machines. Whether you’re racing them or using them recreationally affects the coverage, so we’ll need to know where your snowmobiles are stored and who has access to them. Snowmobile insurance isn’t expensive, but there is a ton of risk involved so it’s crucial to have proper coverage.
Something to think about:
Older snowmobiles need physical damage coverage, but if you have a lien on a newer one you’ll also need comprehensive and collision.