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Why You Need Insurance on Recreational Vehicles

When you buy a recreational vehicle, it is easy to imagine all the fun you will have. What unfortunately slips the mind of many is that accidents can happen. While most of the time it is all fun and games, there are times when things can get messy, and I don’t just mean the mud flying in the air when you ride your ATV. Bad things happen sometimes and that is where we can help. At Farmers Insurance – Jenna Isch Agency we help clients insure their recreational vehicles. We specialize in insurance for toys like, motorcycles, dirt bikes, ATVs, boats, dune buggies, snow mobiles, RVs, travel trailers and even golf carts.

If your vehicle is registered, you need insurance!

What recreational vehicle owners need to know is that if their vehicle is registered with the BMV it must be insured. Typically, vehicles that are registered are driven on streets or highways which increases the chance of an accident. Indiana state law requires that you must have at least a minimal amount of insurance to take care of injuries and property damage you cause in an accident.

I have homeowner’s insurance. Doesn’t that cover my recreational vehicle?

The answer to this commonly asked question is, sometimes…. Homeowner’s insurance covers some damage to your recreational vehicle but many times there is a limited dollar amount. Also, the causes of loss are limited to what is covered in a home policy. This would be things like, theft or even a fire. But there could be a gap in coverage if you crash your ATV into a tree or if you accidently run into the side of someone’s car with your golf cart. Plus, a home policy only covers your vehicle while it’s on your insured property. If you take your snowmobiles or the dirt bikes to ride on Grandpa’s farm, they are no longer covered by your home policy.

So, what does insuring my recreational vehicle mean?

Insuring your recreational vehicle means that if you hit that tree in your backyard and need medical attention, you can get it. It means that if your child’s friend crashes your dirt bike in the field across the street and gets hurt, you have lawsuit protection. And, depending on the type of coverage you get for your recreational vehicle, it could mean that there will be insurance to repair or replace your recreational vehicle after something unfortunate happens. All in all, insuring your recreational vehicle provides you peace of mind. 

 If you have recreational vehicles or are buying new toys this year talk to the team at Farmers Insurance – Jenna Isch. We would love to help you get the protection you need.

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Author: Jenna Isch
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Our Happy Insurance Customers


Jenna is great - very easy to talk to. She obviously knows everything there is to know about Farmers Insurance, and she doesn't just hand you a premade package. She'll talk to you and find out exactly what you need and then create a recommendation for you. Highly recommend if you want personal service and someone you can ask all of your questions!

Robin J



Because of Jenna's detailed approach to quoting my home owners insurance, she found that I had been paying property taxes on having a basement even though I do not have a basement. I received a refund for overpayment of property taxes for the last 3 years and a great home insurance rate as well. Her service is top notch!!!

Shirley P



                                                       Everyone in the office is great! They are always there for me. - Tammy B                                                                  



                                                                                             Jenna Isch is AWESOME! - Mike B                                                                                             



                                                      "Fast service when I had a minor altercation with my vehicle.” – R Strickland                                                          



                                                               “Customer service is always helpful” – Timothy M                                                               



                                                                        “Good prices, good service, great agent!” – Matt H                                                                                 



“Jenna was a very good insurance agent. She was easy to get a hold of and very knowledgeable. I would recommend her to anyone!” – Lindsay E



“Jenna is extremely helpful, punctual, and thorough. She is a personable and professional agent who is very knowledgeable about insurance and will work with you diligently to find what will best suit your insurance needs.”

Brent C



“Jenna is extremely helpful and thoroughly answers any questions that I have in a timely manner. She shows a great deal of concern and empathy towards her clients.”

Jason V



“Jenna really takes the time to look at your situation and see what products you need. She offers a variety of options at a variety of price ranges. She takes the time to sit down with you and go through the options. She also makes sure to answer questions. She always returns calls. I've been very happy with the service she provides me and highly recommend her.”

Niccole K



Thank you. I've become convinced over the years that the maximum benefit from insurance comes from agents and agencies who make a personal commitment to their clients to establish and maintain good working relationships and superior customer service-- thank you again for demonstrating these qualities.

Jeremy G.