PERSONAL INSURANCE
Recreational Vehicle Insurance
Motorhomes, boats, motorcycles, and off-road vehicles bring their own adventures, and their own risks. Legacy can help you find specialized coverage for the ways you explore Colorado and beyond.
UNDERSTANDING YOUR COVERAGE
Protection Beyond the Everyday Drive
Recreational vehicles and watercraft often require coverage designed specifically for their use, value, equipment, and storage. Available protection varies by vehicle type and insurer.
What Recreational Insurance May Cover
Liability Coverage - Certain injuries or property damage you cause while operating a covered vehicle or watercraft.
Collision Coverage - Damage resulting from a collision with another vehicle, object, or—in some watercraft policies—another boat.
Comprehensive Coverage - Certain non-collision losses, including theft, vandalism, fire, hail, falling objects, and animal strikes.
Uninsured and Underinsured Motorists - Certain injuries or losses caused by an operator with no insurance or insufficient coverage.
Personal Property and Accessories - Specialized equipment, permanently attached accessories, safety gear, and certain belongings carried aboard.
Roadside, Towing, or Emergency Assistance - Towing and emergency services appropriate to the covered vehicle or watercraft.
WHAT DO YOU NEED TO PROTECT?
Coverage Built for the Way You Explore
Coverage needs vary based on what you own, where you use it, how often you travel, and whether it is financed, stored, or lived in for extended periods.
Legacy can help explore coverage for:
Motorhomes and camper vans
Travel trailers and fifth wheels
Motorcycles
Boats and personal watercraft
ATVs and UTVs
Snowmobiles
Utility and recreational trailers
Other specialty recreational vehicles
THE DETAILS MATTER
One Policy Does Not Fit Every Adventure
A motorcycle, motorhome, and fishing boat have very different exposures. Specialized coverage and endorsements can help address risks that a standard auto or homeowners policy may not cover.
Full-Time RV Use - Living in an RV for extended periods may require coverage beyond a recreational-use policy.
Personal Belongings - Property carried in an RV, boat, or trailer may have specific limits or require additional coverage.
Custom Parts and Equipment - Upgrades, accessories, electronics, and safety equipment may need to be specifically included.
Storage and Seasonal Use - Coverage needs can change when a vehicle or watercraft is stored or used only during part of the year.
Trailers and Transport - Liability and physical damage coverage can vary when recreational property is being towed or transported.
Navigation and Operating Area - Watercraft coverage may be limited to specific waterways, geographic areas, or distances from shore.
GUIDANCE FROM LEGACY
Coverage for Wherever You Go Next
Tell us what you own and how you use it, and a member of Legacy will contact you to discuss coverage options for your recreational vehicle or watercraft.
Coverage descriptions are provided for general informational purposes only. Actual coverage, limits, conditions, and exclusions vary by policy and insurer. The terms of the issued policy control in the event of a claim. Coverage cannot be bound, changed, or canceled through this website or by submitting an online form.