RV Insurance
Alabama, Georgia, and Tennessee are a great places to get outside — whether that means hitting the water, exploring trails on an ATV, or loading up the camper for a weekend trip. Whatever your ride, Goggans Insurance can help you protect it with the right recreational vehicle coverage.
Ready to get started? Request your free RV insurance quote today. 
What Is Recreational Vehicle Insurance?
Recreational vehicle insurance is a broad term covering a range of policies designed to protect vehicles used for leisure rather than everyday commuting. Because each type of recreational vehicle comes with its own risks and usage patterns, coverage is tailored to the specific vehicle you own.
Unlike standard auto insurance, recreational vehicle policies are built around how and where these vehicles are used — on the water, on trails, on campgrounds, or on the open road. The right policy helps protect your investment and covers you if something goes wrong.
What Vehicles Does Recreational Vehicle Insurance Cover?
Goggans Insurance can help you find coverage for a wide range of recreational vehicles, including:
• Boats and watercraft — from fishing boats and pontoons to personal watercraft
• RVs and motorhomes — Class A, B, and C motorhomes
• Travel trailers and campers — fifth wheels, pop-ups, and towable trailers
• ATVs and off-road vehicles — all-terrain vehicles, UTVs, and side-by-sides
• Golf carts — whether used on the course or in a residential community
• Snowmobiles — for cold-weather recreation
Each of these vehicle types may require a different type of policy or endorsement. Our agents can help you understand what coverage makes sense for the vehicles you own.
What Does Recreational Vehicle Insurance Cover?
Coverage varies depending on the type of vehicle and the policy, but recreational vehicle insurance may include:
• Liability protection — Covers bodily injury or property damage you may cause to others while operating your recreational vehicle
• Collision coverage — Helps pay for damage to your vehicle from a collision with another object or vehicle
• Comprehensive coverage — Covers damage from theft, vandalism, fire, storms, or other covered non-collision events
• Uninsured/underinsured motorist coverage — Provides protection if you’re involved in an incident with someone who carries little or no insurance
• Agreed value or actual cash value coverage — Helps ensure your vehicle is covered for an appropriate amount in the event of a total loss
• Roadside assistance and towing — For breakdowns on the road or on the water
• Personal effects coverage — Helps protect personal belongings kept in or on your recreational vehicle
Coverage availability, terms, and limits vary by vehicle type, carrier, and policy. Please speak with one of our agents to review the options available for your specific situation.
Is Recreational Vehicle Insurance Required?
Insurance requirements for recreational vehicles vary by vehicle type and state. In most states, most motorized vehicles operated on public roads — including RVs and motorcycles — require at least the state’s minimum liability coverage. Boats and watercraft may have separate requirements depending on where they’re operated.
If your recreational vehicle is financed, your lender will typically require you to carry comprehensive and collision coverage until the loan is paid off. Beyond legal and lender requirements, carrying adequate coverage is simply good protection for a significant investment.
How to Get Recreational Vehicle Insurance with Goggans Insurance
Our team works with multiple carriers, so we can shop your coverage and help you find a policy that fits — whether you’re insuring one vehicle or several.
Here’s how to get started:
• Call us at any of our locations to speak with an agent
• Submit a quote request online using our quick quote form below
• Stop by our one of our offices in Fort Payne AL, Rainsville, AL, Scottsboro AL, Centre AL, Boaz AL or Jasper TN. We’ll be happy to assist you in person
No pressure, no obligation — just honest, local guidance so you can get back to doing what you enjoy.