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Recreational Vehicle Insurance

One of our services includes protection for your recreational or off-road vehicles. Make sure you are prepared for your next big adventure, wherever that may be. Vehicles that need specific insurance coverage may include:

  • Motorhomes
  • Campers
  • Boats
  • ATVs
  • Jet Skis
  • Snowmobiles

Recreational Vehicle Insurance may include the following coverages:

  • Total loss replacement
  • Replacement cost of personal belongs
  • Emergency expense coverage
  • Comprehensive coverage
  • Towing and roadside assistance
  • Full-time liability
  • Stationary coverage
  • Medical payments
  • Uninsured motorist coverage
  • Suspend collision coverage when in storage

Contact the team today to find out how easy and affordable it is to have recreational insurance added.

Motorcycle Insurance

We can help find you great coverage and rates on motorcycle insurance. Let our team take care of your insurance solutions so you can just enjoy the ride. We offer competitive rates from trusted carriers with reliable coverage you can count on.

Our dedicated agents will make sure you meet state requirements and that you have the right coverage for your motorcycle protection needs. A motorcycle insurance policy includes bodily injury and property damage liability. Additional state insurance may include coverage for medical payments, uninsured protection, and comprehensive & collision coverage. We can also insure multiple motorcycles and look for any available discounts you may qualify for.

We look forward to helping you review or change your policy. Let us help you get started today.

Frequently Asked Questions

What does recreational insurance protect?

Recreational insurance could help cover certain accidents, damage, theft, and liability claims involving vehicles used for travel or outdoor activities. Types of vehicles may include motorhomes, campers, boats, ATVs, Jet Skis, and snowmobiles.

Do I need insurance for a camper I only use occasionally?
Even if you only use your camper a few times each year, it can still be damaged, stolen, or involved in an accident. Camper insurance can provide protection while it is being used, transported, or stored.
Can boat insurance cover damage from a storm?
Boat insurance with comprehensive coverage may help pay for damage caused by certain storms, wind, hail, or falling objects. Coverage can vary based on the policy and the weather risks in Nebraska.
What is liability coverage for an ATV?

ATV liability coverage can help pay for another person’s injuries or property damage if you cause an accident. It may also help with certain legal expenses related to a covered claim.

Does Jet Ski insurance cover more than one rider?
Jet Ski insurance may cover approved riders who have permission to operate the personal watercraft. Age restrictions, experience requirements, and other policy conditions may apply in Columbus, NE.
Is snowmobile insurance only needed during winter?
Snowmobile insurance can provide protection even when the vehicle is not being used. Keeping coverage throughout the year may help protect against theft, fire, vandalism, or storage-related losses.
Does motorhome insurance include roadside assistance?
Roadside assistance may be available as an optional part of a motorhome insurance policy. It can help with towing, battery service, flat tires, fuel delivery, or other breakdowns while traveling near NE.
Can recreational insurance cover a financed vehicle?
Lenders often require collision and comprehensive coverage for financed motorhomes, campers, boats, and other recreational vehicles. The lender may also have specific deductible and coverage limit requirements.
What happens if my recreational vehicle is totaled?
If a covered recreational vehicle is declared a total loss, the amount paid depends on how the policy values the vehicle. Some policies use actual cash value, while others may offer agreed value or replacement cost options.
When should I buy recreational insurance?
It is best to arrange coverage before taking possession of or using a recreational vehicle. Having insurance in place from the beginning can help protect your investment and meet any lender or registration requirements in Nebraska
Does my homeowners insurance cover my ATV in Nebraska?
Don’t assume your homeowners insurance provides all the protection you need for your ATV. Coverage for ATVs can be limited depending on where and how the vehicle is being used. A separate recreational or ATV insurance policy may offer coverage options such as comprehensive, liability, medical payments, uninsured motorist coverage, towing, and more. Before hitting Nebraska trails, farmland, or other off-road areas, talk with Nebraska Owner’s Insurance Agency in Columbus about how your ATV is used and what coverage options are available.
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