Recreational Vehicle Insurance

Protect All Your Toys

You deserve to enjoy your time off. Here are Pella Insurance we strive to make your down time as worry free as possilbe. We offer a wide variety of recreational insurance so you can enjoy your free time with peace of mind.

Our Different Types of Recreational Insurances

Motorcycle-ATV-UTV-Snowmobile-Golf Cart

As with other vehicles, there are four basic types of coverage depending on how much risk you want to assume and how much protection you want from the insurance company. You will be responsible for the deductible, and your insurance will pay the rest, up to its limits.

  • Bodily injury and property damage liability covers injuries to people or property when you are at fault. This coverage is especially important to protect yourself in the event of a lawsuit since it protects your assets up to the policy limit.
  • Collision coverage will pay when significant damage occurs in a crash with another vehicle, rocks or logs on the trail, fences and other debris. Normal wear and tear associated with off-road riding, such as dents and non-structural damage, would not be covered.
  • Comprehensive coverage protects you if your vehicle is damaged by something other than a collision (fire, theft, vandalism, hail, animals or flying objects).
  • Uninsured/underinsured motorist protects you from owners who don’t have enough insurance or any at all. Considering the varying state requirements, it’s smart to protect yourself from these situations. It will cover medical bills and lost wages.


When taking to the water, protect yourself with the right boat coverage. The insurance coverages include:

  • Physical Damage Coverage: Provides protection if there is a collision with another boat or a submerged object.
  • Liability Coverage: Coverage for bodily injury or damage to others’ property
  • Personal Property Coverage: Protection for personal property that is located on the boat such as items like cameras or clothing.
  • Towing and Assistance Coverage: Coverage in case of need of a transport of your boat to a repair shop when unusable. Gas delivery for boats could also be available if in need of assistance.

RV/Camper: (Fifth wheels, trailers, pop-up campers, and truck-mounted campers)

Coverage could include liability coverage, collision coverage, comprehensive coverage, medical payments, personal injury protection, uninsured motorist, underinsured motorist, etc. Camper or RV insurance coverage includes personal belongings you travel with on the road that are within the RV or camper. Also you and your family should be covered wherever you go or park the RV/Camper.

Collector Car

Collector car insurance, or classic auto insurance, is an affordable alternative designed solely for the special needs of the car collector. The collector car policy can cover the usual risks of loss, such as fire, collision, theft and vandalism, as well as liability to others for an at-fault accident, but with significant differences regarding use of the vehicle and the method of determining value.

No matter what type of recreational vehicle you own, you will want to make sure it’s protected with the right insurance coverage. We can handle all the details.