Michigan Recreational Vehicle Insurance

Hit the Road or Trail Safely for the Best Adventure

Getting outdoors in Michigan to explore is even more exciting when you have an RV, ATV, or a snowmobile. Each one of these recreational vehicles is unique, and while insurance may not be required for a snowmobile or ATV, it’s a good idea to protect yourself and your vehicle.

From golf carts to snowmobiles, we cover every recreational vehicle for any summer or winter activity in Michigan.

RVs, Motorhomes, Trailers

Because RVs include living quarters, you’ll need a specialized insurance policy to protect you. Think of insurance like a cross between homeowners and auto insurance. The type of coverage you need varies depending on the features of your RV and how you use it.

ATVs and Off Road Vehicles

Specialized vehicles like ATVs are not covered under an auto insurance policy. If you are involved in an ATV accident and do not have insurance, you will be held financially responsible for any damages or costs related to injuries.

Side-by-Sides and Golf Carts

These specialty vehicles can be tremendous fun for hitting trails in Michigan! However, side-by-sides are utility task vehicles (UTVs) that can reach speeds of 70 miles per hour! Consider getting an insurance policy to ensure you’re covered for any unforeseen events.


Nothing is better than gliding over the snow or ice in Michigan with the hum of a snowmobile beneath you. But unexpected things can happen (a snowmobile breaks down, gets stuck, or someone could fall off), so be sure you are as prepared as possible.

Michigan is beautiful and we want you to get outdoors safely to explore and experience. Don’t let an accident or a breakdown ruin a fun weekend getaway or sideline your summer.

Ready to speak with one of our insurance experts about a personalized quote?

Let us know what you’re looking for and we will generate some great coverage options - whether it’s personal, business, or investment insurance you’re in the market for, we promise our advisors will deliver a tailored, bespoke plan to fit your needs.

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