Personal insurance guide
Motorcycle, boat, RV, and ATV insurance
Your auto policy often stops at the edge of the road, and your homeowners policy often stops at small boats and lawn equipment. Motorcycles, boats, RVs, campers, ATVs, side-by-sides, and snowmobiles are commonly insured on their own policies, each with its own limits, deductibles, and seasonal rules.
What recreational vehicles commonly covers
Who usually carries it
- Motorcycle riders
- Boat and personal watercraft owners
- RV, travel trailer, and fifth-wheel owners
- ATV, UTV, side-by-side, and snowmobile owners, including on farms and trails
Commonly covered
- Liability for injuries and damage you cause while operating the vehicle
- Physical damage to the vehicle from a crash, theft, fire, or storm
- Uninsured motorist protection on many motorcycle policies
- Attached equipment, trailers, and accessories, up to limits
- Personal belongings in an RV, on many RV policies
Commonly excluded or limited
- Racing and competitive events
- Rental or charter use
- Wear and tear, mechanical breakdown, and freezing damage
- Passengers on some ATV and snowmobile policies
- Full-time RV living, unless the policy allows it
This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your situation, talk with a licensed insurance agent.
Before your renewal
What to check on your own policy
- Each vehicle, trailer, and motor listed with the right year and value
- Agreed value or actual cash value for physical damage
- Liability limits, and whether they match what an umbrella requires
- Lay-up or seasonal periods that change coverage
- Custom parts and accessories
Not sure what your policy says?
Upload your declarations page. The free AI coverage check lists your coverages, limits, and deductibles in plain language and flags items to discuss with a licensed agent.
Check Your CoverageIf something happens
Get a free Motorcycle, Boat, RV, and ATV Insurance quote
Free and no obligation. A licensed South Dakota agent reviews what you have and quotes options that fit your household.
- Step 1You tell us the basicsAbout two minutes: how to reach you, and what you want covered.
- Step 2A licensed agent calls youUsually within one business day, at the time you choose.
- Step 3We review what you haveYour current policies, contracts, and renewal dates, line by line.
- Step 4You get options in writingCoverage and price, explained. Nothing changes unless you decide it should.
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Recreational vehicles questions
Know what you're covered for before you need it.
Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.