RV & Off-Road Insurance for Adventure in Southern Illinois
Whether you're exploring the Shawnee National Forest in your RV or hitting the trails with your ATV, your recreational vehicles need specialized protection. RV and off-road vehicle insurance covers a wide range of vehicles used for travel, adventure, and recreation. We help Southern Illinois drivers protect their home-on-wheels, dirt bikes, side-by-sides, and more with flexible, adventure-ready policies.
Why You Need Specialized Coverage
Sometimes the unexpected can exceed your standard insurance limits. Umbrella insurance offers an extra layer of liability protection for major claims and lawsuits. If you're found responsible for a serious accident, injury, or property damage, your umbrella policy helps protect your savings, assets, and future earnings. It’s an affordable way to strengthen your overall protection and gain peace of mind.
Protection That Travels With You
Whether you use your RV full-time or take seasonal trips, or whether you ride trails on weekends — we match your policy to your lifestyle.
Coverage Options for RV & Off-Road Vehicles
Collision & Comprehensive
Covers damage from accidents, weather, vandalism, and theft — whether you're parked or in motion.
Liability Coverage
Protects you financially if you're at fault in an accident that causes injuries or damage to others.
Personal Belongings & Accessories
Covers built-in appliances, camping gear, or custom add-ons like solar panels or awnings.
RV & Off-Road Insurance FAQs
Is RV insurance required?
Yes, if it’s a motorized RV and you drive it on public roads. Towable campers may need separate coverage depending on value.
Are off-road vehicles covered under auto insurance?
No. ATVs and similar vehicles usually require their own policy, especially for liability and theft protection.
Is gear inside the RV covered?
Yes. We can offer full-timer RV insurance that includes liability similar to a homeowners policy.
Is my gear inside the RV or ATV trailer covered?
Not for most RVs. We'll help you understand any local requirements.