Recreational Vehicle Insurance
“I have been an HFC client for the past fifteen years. Products I have utilized are auto, homeowner’s, boating and recreational vehicle insurance, and a general liability umbrella. Anytime I’ve needed anything, I feel like I’m calling a friend when I call HFC. I always speak with a familiar voice. They are always efficient, informative, and friendly. I’ve have had two claims in the past: one for ice damage, and one for a boat accident that resulted in a total loss. Thanks to HFC for handling both incidents with the professionalism that you promise your clients.Hats off to Mike Alexander, Lynn McIntyre, and Sheila Guenette!”
Road, Snow, or Terrain – We keep you protected
Recreational Vehicle Insurance
We all enjoy spending time outdoors, but do you have the right protection for your active lifestyle? From your motor home or trailer to your favorite ATV or snowmobile, if you can buy it, Haylor, Freyer & Coon can insure it. We work with you to learn what is important, and then we find the right policy for you from a range of affordable options from top carriers. So get out there and have fun. Our recreational vehicles insurance will make sure no worries stand in your way.
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Motorhome Vehicles Insurance
Bodily Injury Coverage – Covers the medical costs for the driver and passengers of a vehicle that you crash
Property Damage Coverage – Covers property that your vehicle damages during an accident (i.e., another person’s vehicle)
Personal Injury Protection (PIP) / No-Fault Coverage* – Covers medically-necessary expenses, regardless of who causes the accident
Uninsured Motorist Coverage* – Covers you if you’re in an accident with an at-fault driver who doesn’t carry or doesn’t have enough liability insurance
– Class A Motorhome / Motor Coach
– Class B Motorhome / Camper Van
– Class C Motorhome / Camper / (Also known as) Camper Van
Medical Payments Coverage – Covers the medical costs for you and your passengers if injured in an accident
Collision Coverage – Covers damages to your motorhome that resulted from a collision
Comprehensive Coverage – Covers damage to your motorhome that was associated with theft, fire, vandalism, accident with animal, or windshield glass breakage
Vacation Liability Coverage – If someone is injured in or around your motorhome while you’re on vacation
Roadside Assistance Coverage – Covers roadside services and tows for motorhomes that you have
Total Loss Replacement Coverage – Covers the motorhome if it is totaled in an accident to its replacement cost value
Full Timer’s Coverage – Covers you if you’re liable for injuries in and around your motorhome up to a specified limit. It is meant for those who use their motorhome as a permanent residence
Emergency Expense Coverage – Provides coverage to a certain limit when you’re on vacation and the motorhome becomes disabled more than 50 miles away from your home, requiring a hotel stay and another means of transportation to get home
Travel Trailer Vehicles Insurance
Bodily Injury Coverage – Covers the medical costs for the driver and passengers of a vehicle that you crash
Property Damage Coverage – Covers property that your vehicle damages during an accident (i.e., another person’s vehicle)
Personal Injury Protection (PIP) / No-Fault Coverage* – Covers medically-necessary expenses, regardless of who causes the accident
Uninsured Motorist Coverage* – Covers you if you’re in an accident with an at-fault driver who doesn’t carry or doesn’t have enough liability insurance
– Conventional Trailer
– Fifth Wheel Trailer
– Pop-up Camper / Folding Tent Trailer
– Toy Hauler
– Horse Trailer
– Cargo / Utility Trailer
– Mounted Truck Camper
Medical Payments Coverage – Covers the medical costs for you and your passengers if injured in an accident
Collision Coverage – Covers damages to your trailer that resulted from a collision
Comprehensive Coverage – Covers damage to your trailer that was associated with theft, fire, vandalism, accident with animal, or windshield glass breakage
Roadside Assistance Coverage – Covers roadside services and tows for trailers that you have
Total Loss Replacement Coverage – Covers the trailer if it is totaled in an accident to its replacement cost value
Emergency Expense Coverage – Provides coverage to a certain limit when you’re on vacation and the trailer becomes disabled more than 50 miles away from your home, requiring a hotel stay
Off-Road / Motorcycle Vehicles Insurance**
Bodily Injury Coverage – Covers the medical costs for the driver and passengers of a vehicle that you crash
Property Damage Coverage – Covers property that your vehicle damages during an accident (i.e., another person’s vehicle)
Personal Injury Protection (PIP) / No-Fault Coverage* – Covers medically-necessary expenses, regardless of who causes the accident
Uninsured Motorist Coverage* – Covers you if you’re in an accident with an at-fault driver who doesn’t carry or doesn’t have enough liability insurance
– ATVs
– Motorcross Bikes
– Dirt Bikes
– Snowmobiles
– Golf Carts
– Scooters / Mopeds
– Dune Buggies
Medical Payments Coverage – Covers the medical costs for you and your passengers if injured in an accident
Collision Coverage – Covers damages to your vehicle that resulted from a collision
Comprehensive Coverage – Covers damage to your vehicle that was associated with theft, fire, vandalism, accident with animal, or windshield glass breakage
Roadside Assistance Coverage – Covers roadside services and tows for recreational vehicles that you drive
Total Loss Replacement Coverage – Covers the recreational vehicle if it is totaled in an accident to its replacement cost value
Carried Contents Coverage – Provides coverage for camping equipment, hunting gear, or any personal property that could fall out of your vehicle
*These are New York State’s requirements for minimum coverage. Basic minimum & No Fault coverage requirements vary by state.
**These vehicles may be written under Motorcycle Insurance Policies if used on roadways.
Recreational Vehicles
Frequently Asked Questions
What kind of vehicles can be covered under recreational vehicle insurance?
The types of vehicles that typically are covered with a recreational vehicle policy are motorhomes, travel trailers, dirt bikes, golf carts, dune buggies, ATVs, jet skis, wave runners, and snowmobiles.
Does my policy cover all my recreational vehicles?
No – you must place each vehicle on your policy and update the policy anytime a new recreational vehicle is purchased.
Does my homeowners or auto policy cover my recreational vehicles?
When it comes to recreational vehicles, your home or auto policy may cover some damage to property and injuries to others up to a set limit; neither policy will cover the vehicle itself or its contents. To make sure you have maximum protection from catastrophic losses, it is recommended that you have comprehensive recreational vehicle coverage.
We Insure All Types of Recreational Vehicles
No matter the toy, we can protect it
Snowmobiles
Campers & Trailers
ATVs
Motorhomes & RVs
Golf Carts
Scooters & Segways
Get A Recreational Policy
Find out how you can benefit from Haylor’s wide range of insurance products and risk management solutions today! Call or contact us to schedule a complimentary review of your current insurance portfolio!
Important Note: Everything listed on this page is meant as general information and the generalized policy descriptions are designed to help you understand the different coverage types. These guidelines and descriptions do not refer to any specific contract of insurance, carrier, or terms of service. They do not modify any definitions, exclusions, or any other provisions that are directly stated in any contract of insurance. We highly recommend that you speak with your insurance advisor and review your policy fully to understand your coverage.