Recreational Vehicle Insurance That Keeps You Moving
Smart, Personalized Coverage From Your Local Experts in Germantown, MD
What Your Recreational Vehicle Insurance Should Cover
Recreational vehicles bring freedom and fun—but they also bring risks. That’s why we help you build coverage that goes beyond the basics and fits how you actually use your toys.
Liability Coverage
Covers injuries or property damage you may cause while using your recreational vehicle.
Collision Coverage
Helps pay for damage to your vehicle after a covered accident—on the trail, road, or water.
Comprehensive Coverage
Protects against theft, vandalism, fire, weather damage, and other non-collision incidents.
Uninsured/Underinsured Motorist
Covers your costs if you're hit by someone with too little—or no—insurance.
Medical Payments
Pays for medical expenses if you or your passengers are hurt while using your vehicle.
What Recreational Vehicles Do We Cover?
Tough, off-road vehicles designed for adventure, work, and exploring Minnesota trails. Our coverage helps protect you from accidents, property damage, and liability so you can focus on the ride.
Built for Minnesota winters, snowmobiles let you enjoy the outdoors even in deep snow. We cover damage, theft, and liability whether you’re riding for fun or getting to remote places.
From sport bikes to cruisers, our motorcycle insurance covers your ride—offering protection for liability, collisions, custom parts, and more, so you can hit the open road with confidence.
From pontoons to personal watercraft, we insure your time on the water. Get protection against storm damage, theft, accidents, and liability while you enjoy Minnesota’s lakes and rivers.
Whether you have a pop-up or a large travel trailer, our coverage protects your camper, the gear you bring, and your liability at campgrounds—helping you relax on every trip.
Protect your home on wheels with coverage designed for life on the road. Whether you're taking extended trips or using your motorhome seasonally, we help insure your vehicle, personal belongings, and liability—so you can travel Central Minnesota and beyond with confidence.
Recreational Vehicles FAQs
Do I need separate insurance for my recreational vehicles?
Yes. Most homeowners or auto insurance policies don’t fully cover recreational vehicles like ATVs, snowmobiles, motorcycles, boats, or campers—especially when used off your property or on public roads and trails. Separate recreational vehicle insurance helps protect you against liability, accidents, theft, and damage, giving you peace of mind wherever you ride or drive.
Do I need insurance to ride an ATV or snowmobile in Minnesota?
Yes. While requirements vary, most off-road and snow vehicles must be registered and insured to operate legally.
Can I bundle recreational insurance with home or auto?
Absolutely. Bundling can save money and simplify your coverage.
Is my camper or boat insured while in storage?
Yes, with the right policy. We’ll help ensure you're protected even during the off-season.
What if I own multiple recreational vehicles?
No problem. We can tailor a single policy that covers all your gear under one roof.
Let’s Get You on the Road
Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.