Recreational FAQ

2.How fast can I get coverage?

Most policies are issued the same day — often within minutes.

2.Do you insure custom bikes or modified ATVs?

Yes. We cover custom parts, upgrades, and aftermarket builds.

3.Do I need insurance for off-road vehicles?

Many parks, trails, and ORV areas require it — and it protects you from theft, accidents, and liability.

4.What about RVs and motorhomes?

We insure everything from small campers to luxury motorhomes, including personal belongings and attached equipment.

5.Can I bundle my toys with my home or auto insurance?

Yes — bundling often saves you significant money.

6.Is helmet or protective gear covered?

Yes, many policies include coverage for gear and riding apparel.

7.What if I only ride seasonally?

We can customize policies for seasonal riders or provide lay-up coverage during off months.

8.Do you offer bilingual support?

Yes — full English & Spanish support for all customers.