ATV, UTV & Camper Insurance That’s Ready for the Ride in Central Minnesota 

Smart, Personalized Coverage From Your Local Experts in Germantown, MD

Whether you’re exploring trails, working the land, or heading out for the weekend, Cornerstone Insurance Agency helps protect the vehicles that move your lifestyle forward. From ATVs and UTVs to campers and travel trailers, we provide coverage that fits your adventures—and your budget.


As a local, independent agency in St. Stephen, MN, we offer flexible protection for recreational vehicles across Central Minnesota, backed by responsive service and straightforward advice.

What Your ATV, UTV & Camper Insurance Policy Should Cover

Recreational vehicles can be fun—but they’re not risk-free. We help you build coverage that keeps you protected on the trail, at the campground, or in storage.

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Liability Coverage

Covers injuries or property damage you may cause while operating your ATV, UTV, or camper.

Collision Coverage

Helps pay to repair or replace your recreational vehicle after a covered accident.

Comprehensive Coverage

Protects against theft, fire, vandalism, weather damage, and more.

Uninsured/Underinsured Motorist

Steps in if you’re hit by someone with too little—or no—insurance.

Medical Payments

Covers medical costs for you or your passengers if injured during a covered incident.

Coverage Add‑Ons That Matter

Optional protections help cover the extras that make your rides and getaways complete.

Accessory & Custom Equipment Coverage

Protects trailers, toolboxes, upgraded tires, lift kits, and other modifications.

Camping Gear & Personal Belongings

Covers gear, electronics, and supplies stored in your camper or trailer.

Off-Road Recovery & Towing

Helps get your ATV or UTV out of tough spots—on or off the trail.

Why It Matters

You Live for the Outdoors. We Make Sure You’re Covered Out There.

Whether you're out working or out relaxing, your equipment deserves serious protection. At Cornerstone Insurance, we help riders and campers across Central Minnesota get covered with clarity—so you can enjoy the ride and rest easy at night.

ATV, UTV & Camper Insurance FAQs 

  • Does homeowners insurance cover my ATV or camper?

    Usually not. You’ll need a separate policy to ensure full protection—especially off your property.

  • Is coverage required to ride an ATV or UTV in Minnesota?

    It’s not always legally required, but highly recommended—especially for liability protection and trail access.

  • Can I bundle this coverage with home or auto?

    Yes. Bundling is a smart way to save and streamline your insurance.

  • Is my camper insured while parked or stored?

    Yes, with comprehensive coverage in place, your camper is protected even during the off-season.

  • What if I have multiple recreational vehicles?

    We can insure multiple units on the same policy and apply any available discounts.

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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.

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Let’s Get You Covered for Every Mile—On or Off the Road

At Cornerstone Insurance Agency in St. Stephen, MN, we help protect the gear that fuels your weekends, workdays, and everything in between. Across Central Minnesota, we make sure your ATV, UTV, or camper is covered—without guesswork or delays.