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JT Insures Me

What Is RV Insurance?

Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by classes: Class A, B and C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time and other factors.


What Does RV Insurance Cover?

RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings on board, equipment and attached accessories such as awnings and satellite dishes. Depending on the insurance company you choose, your additional coverage options may include:

* Total loss replacement coverage
* Campsite and vacation coverage
* Emergency expenses
* Towing and roadside coverage
* Full-timer coverage if your RV is your full time residence
* Uninsured and underinsured motorists coverage


Service

We take care of our customers like family. We're here for you – whether to provide a rate, assist with a claim, expand your coverage, or just answer questions.

Experience

Our staff has been working in the industry for many years. We offer guidance and help you make the right decisions for yourself, your family, or your business.

​​​​​ Get an ATV Insurance Quote:


 Much like an auto or motorcycle policy, ATV insurance includes a wide range of coverages, including collision, property damage, bodily injury, comprehensive (such as fire or theft), medical, and uninsured motorist.

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Snowmobile Insurance​


Adding a snowmobile to your homeowners policy may seem like the easiest way to cover it. But,that could also leave you with some gaps in your coverage -- especially when you're riding off your property. Some Snowmobile policy's offer protection on any path or open field -- even into Canada.​


Optional coverage's will cover your helmets,riding gloves,and insulated jackets, almost anything that can get damaged during your ride.


Motorcycle Insurance


If a motorcycle accident is your fault, you could be held responsible legally for damage or injury caused by an accident. Required by law, there are two types of motorcycle coverage you’ll need to have: Bodily Injury Liability and Property Damage Liability. These components are built-in to any motorcycle policy you purchase.

Bodily Injury Liability Coverage – This portion protects you from having to pay loss of income, medical expenses, or funeral/burial costs of other people who are injured as a result of the accident.  It should be noted that bodily injury to another passenger is separately covered under Passenger Liability in some states. Additional, Bodily Liability Coverage can be applied to passengers by paying an additional premium.

Property Damage Liability Coverage – This component provides coverage for the replacement or repair of another motorist’s vehicle. It also includes coverage for another motorist’s property, including other vehicles or homes.

In many states, guests riding your motorcycle are covered under motorcycle insurance. However, this coverage is optional in some states.

OTHER MOTORCYCLE INSURANCE OPTIONS AND CONSIDERATIONS:

Uninsured/Underinsured Motorist Coverage – There are a fair number of motorists driving who may not have insurance. If one of them hits you, what you do? If you had Uninsured/Underinsured Motorist Insurance, your coverage would help pay for applicable medical expenses if you are injured by a motorist who doesn’t have insurance.

Motorcycle Damage

If your bike is damaged in a motorcycle accident, your motorcycle insurance can pick up the covered costs to repair and replace it. There are two primary types of motorcycle damage insurance:

Collision Coverage – While riding on your motorcycle, you collide with another vehicle or some other stationary object, such as a fence, guard rail, or parked vehicle, then collision coverage would pay for the damage to your bike. Similarly, collision coverage would pay for your motorcycle’s damage should someone else hit your parked bike causing damage. All coverage is subject to a deductible
Comprehensive Coverage – Should something other than a collision like vandalism, fire, windstorm, theft, or even striking an animal occur, comprehensive coverage would pay for damage or loss for repair or replacement of your motorcycle. All coverage is subject to a deductible.
Rental Reimbursement Coverage – While your motorcycle is being repaired as a result of an accident, rental reimbursement coverage will pay for your rental while your bike is being repaired for the number of days listed on your Policy Declarations.


Choice

We work with a wide range of quality, reliable insurance companies and can provide coverage options for any business or personal insurance need.