Personal lines · independent broker
Motorcycle & RV.
Motorcycles, RVs, ATVs, snowmobiles. Each has its own coverage rules — auto policies don't extend to recreational vehicles, even though many people assume they do.
What it is.
Recreational vehicles each have their own coverage rules. Auto policies don't extend to motorcycles, RVs, ATVs, or snowmobiles — even though many people assume they do. Each gets its own policy, tuned to use, season, and storage. Storage discounts can cut premium 30-50% during the off months.
The lines in your policy.
Each one is its own knob. The carrier's default rarely fits a real life.
What a claim looks like.
Three anonymized files. Numbers are illustrative.
Rider hits a deer on K-7 at dusk. $5,400 in damage to the bike + $4,200 in custom parts. Standard physical damage pays for the bike; CPE schedule pays for the parts. Without scheduling, custom parts would have been depreciated to a fraction of value.
Friend visits your RV at a campsite, slips on a wet step. $12K in medical. Vacation liability endorsement responds. Without it, a standalone RV policy might exclude liability while parked at a campground.
ATV stored in a barn, broken into mid-winter. $7,800 in damage and stolen accessories. Comprehensive responds; lay-up period kept liability premium reduced through the months you weren't riding.
How to read a motorcycle/rv policy.
The four things worth looking for on the dec page, in the order we read them.
The first page tells you who's actually covered, on what address, and under whose legal entity. A surprising number of policies have the wrong name, the wrong address, or a missing additional insured, and you don't find out until you file a claim. Cross-check it against your driver's license, your title or lease, and any contract that requires you to be insured.
Policy limits are abstract until you stack them against the assets they protect. A $300k liability limit feels generous in isolation; against a $1.2M home and a college fund, it isn't. Walk down each numbered line on your dec page and ask: if this were the cap on the worst day, would I be okay?
Page one shows you the base form. Pages four through twelve show you what the endorsements added, and, more importantly, what they took away. Water-damage exclusions, roof-payment schedules, named-storm deductibles, scheduled-valuables caps. These small numbered forms decide more claims than the headline limits do.
Carriers re-rate, re-form, and re-endorse policies at every renewal. If you keep last year's dec page, a side-by-side read takes ten minutes and tells you which limits drifted, which sublimits got cut, and which endorsements quietly disappeared. It's the single most useful habit in personal insurance.
Frequently asked questions.
Does my auto policy cover my motorcycle?
No. Motorcycles need their own policy, even if owned by the same person and stored at the same address. Auto liability and physical damage do not extend.
Can I save by paying seasonally?
Most carriers allow lay-up endorsements where you reduce premium during stored months. Especially valuable in KC's seasonal riding climate — can cut total annual premium 30-50%.
Does my homeowners cover the RV when parked at home?
Generally no. Homeowners excludes 'vehicles licensed for road use' which includes RVs. Vacation liability on the RV policy fills the gap when the RV is parked at home or a campsite.
Are my golf cart / e-bike / scooter covered?
Depends on type, registration, and use. Some are covered by homeowners liability when on property; many need their own policy when off-premises. We sort it case by case.
Want a second read on your motorcycle/rv policy?
Send us your declarations page. You'll get it back marked up, in plain language, with the gaps and the over-coverage flagged, yours to keep, no obligation to switch.
or phone (913) 408-7280
We're an independent broker. We represent you, not the carrier , paid by the carrier we ultimately place with, but accountable only to the person whose name is on the policy. Read more about how we work.