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Coverage for Your Adventures

Recreational Vehicle Insurance

Minnesota is made for outdoor adventures—from ATVs on wooded trails to boats on Willmar’s lakes. Johannes Agency offers recreational vehicle insurance that helps protect your gear, your passengers, and your peace of mind. With flexible policies from multiple carriers, we’ll find coverage that fits your lifestyle and your budget.

What’s Included in Recreational Vehicle Coverage

Recreational vehicles bring fun, but they also come with risks. Standard policies often include:

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Liability Protection

Covers injury or damage you cause while operating your recreational vehicle.

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Comprehensive Coverage

Protection against theft, fire, vandalism, storm damage, or animal collisions.

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Collision Coverage

Pays for repair or replacement if your ATV, boat, or camper is damaged in a crash.

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Medical Payments

Helps with medical costs if you or your passengers are injured.

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Uninsured/Underinsured Motorist

Coverage if you’re involved in an accident with a driver lacking proper insurance.

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Special Equipment Coverage

Optional protection for upgrades and accessories like trailers, sound systems, or custom modifications.

Vehicles Covered by Our Policies

Recreational vehicle insurance at Johannes Agency goes beyond cars and trucks. We offer protection for:

  • ATVs & UTVs

    Four-wheelers and side-by-sides for trails and farms.

  • Snowmobiles

    Coverage designed for Minnesota’s winter months.

  • Boats & Jet Skis

    From fishing boats to personal watercraft.

  • Motor Homes & Campers

    Protection for travel trailers, fifth wheels, and RVs.

  • Golf Carts & Mini-Bikes

    Specialty vehicles often used at cabins, resorts, or neighborhoods.

  • Dune Buggies & Off-Road Vehicles

    Policies that cover outdoor adventures and off-road fun.

Recreational Vehicle Insurance FAQs

Here are answers to common questions we hear from Minnesota outdoor enthusiasts:

  • Do I need separate insurance for my ATV or snowmobile?

    Yes. Most auto policies don’t cover off-road vehicles. A recreational vehicle policy ensures you’re protected against accidents, injuries, and property damage.

  • Does boat insurance cover accidents on Minnesota lakes?

    Yes. Boat policies provide liability and property coverage if you’re involved in an accident on the water. Coverage may also include theft or storm damage when your boat is docked or stored.

  • Is my RV covered by my auto or homeowners policy?

    Typically, no. RVs and motorhomes need separate insurance that combines auto and homeowners-style protections. This helps cover accidents on the road and damage while parked at a campsite.

  • What about custom parts or trailers?

    If you’ve added special equipment or purchased a trailer, you’ll want to add optional equipment coverage. This ensures your investment is protected if damaged or stolen.

  • Do I need recreational insurance year-round?

    Yes. Even if you store your RV or snowmobile in the off-season, risks like theft, fire, or storm damage still apply. Year-round coverage protects your investment at all times.