Recreational vehicle coverage that holds up when it matters most.
Your recreational vehicle coverage is just as important as the coverage that follows you on the road. Insurance Services helps you get the right coverage from the start by recommending the right limits and identifying every available discount.
What counts as a recreational vehicle?
From boats and personal watercraft to ATVs and travel trailers, here’s how coverage can be built around the recreational vehicles that matter to you.
Boats and personal watercraft.
Boats and personal watercraft need their own protection that a standard auto or homeowners policy won’t fully cover. We help you find the right policy based on length, horsepower and how you use it, with coverage that can account for seasonal use and off-site storage.
RVs and travel trailers.
Whether you travel full-time or hit the road a few weeks a year, your RV or travel trailer coverage should match how you actually use it. We walk you through liability, contents and roadside assistance options so you’re covered wherever the trip takes you.
ATVs, side-by-sides and off-road vehicles.
Off-road vehicles carry unique risks depending on how and where they’re used, as well as who’s operating them. Standard auto policies typically exclude off-road use, which is why specialized coverage is often needed. These policies are designed around the specific risks of recreational use, with options that may include liability protection, physical damage coverage, and protection for accessories and equipment.
Why recreational coverage matters.
Why standard policies often fall short.
Everyday auto and homeowners policies are built for everyday situations. Recreational vehicles bring different risks, as well as off-site storage and liability that standard policies often aren’t built to handle. Knowing where those gaps are is the first step toward closing them.
Protecting the value of your purchase.
Damage, theft or a liability claim on a recreational vehicle can mean unexpected costs that hit your savings, your credit or an existing loan balance. The right coverage keeps one incident from turning into a bigger financial problem.
Coordinating coverage with your broader financial plan.
Many members look at recreational insurance alongside vehicle loans, emergency savings and other financial priorities. We’re here to help connect those conversations so every layer of protection works together, not in isolation.
How the quote process works.
Every quote starts with your situation. Whether you’re sharing an existing policy or exploring coverage for the first time, we simplify the process and help you move forward with confidence.
Share your current policy.
Already insured? Securely share your current policy through Canopy Connect.
Start fresh.
No existing policy? Enter your recreational vehicle information and we’ll find the right options for you.
We review your info.
An insurance advisor reviews your coverage details and prepares coverage options.
Choose your coverage.
Receive clear guidance to move forward with the protection that fits your needs.
Everything you need to know about insuring your recreational vehicles.
Are recreational vehicles covered by my auto insurance?
In most cases, recreational vehicles require separate coverage. This is dependent upon the type of vehicle and how it is used.
Do I need insurance if I only use my recreational vehicle occasionally?
Seasonal or limited use does not eliminate risk. Coverage decisions are based on horsepower, length, value, use and storage.
Who do I contact if I have questions, policy updates, or need to file a claim?
Insurance Services assists with billing questions, policy updates and claims navigation. Support requests can be submitted by email.
Our TRUSTED Carriers
Coverage you can count on, carriers you can trust.
We partner with leading carriers nationwide to find coverage that fits your life. Find claims and billing information for all of our carriers right here.
Firefighter Insurance Services is an independent agency licensed in all fifty states and DC. CA Resident License Number #0G87848.
Insurance products are not deposits and are not insured by the NCUA. Insurance services are offered through Firefighter Insurance Services. Coverage availability and eligibility vary by state and carrier.
For members insured with the California FAIR Plan, you can report a claim or make a payment.