Recreational Vehicle Insurance in Washington

Coverage for the Toys That Take You Off the Beaten Path

Whether you’re cruising the coastline in your RV, towing your boat to the lake, or exploring trails on your ATV, recreational vehicles bring freedom—and risk. That’s why having the right insurance matters.


At Strategy Insurance Brokers LLC, we help Washington residents protect their adventures with customized coverage for boats, RVs, motorcycles, and more.

What Does Recreational Vehicle Insurance Cover?

Coverage depends on the type of vehicle, but often includes:

Liability Coverage

Pays for injuries or property damage you cause while operating your RV, boat, or recreational vehicle.

Collision Coverage

Covers damage to your own vehicle in the event of an accident—regardless of fault.

Comprehensive Coverage

Protects against theft, vandalism, fire, and weather damage.

Uninsured/Underinsured Motorist

Protects you if you’re hit by someone who doesn’t have enough coverage.

Medical Payments (MedPay)

Helps cover medical expenses for you and your passengers.

Personal Effects Coverage

Covers valuables inside an RV or boat, like electronics, camping gear, or personal items.

What Vehicles Can Be Covered?

We write policies for:


  • Motorhomes (Class A, B, and C)
  • Travel Trailers & Fifth Wheels
  • Boats & Jet Skis
  • ATVs & UTVs
  • Snowmobiles
  • Motorcycles & Scooters
  • Golf Carts & Off-Road Vehicles

Recreational Vehicle Insurance FAQs

  • Do I need separate insurance for my RV?

    Yes—motorhomes require their own policy, much like a car. Towable trailers may be covered by your auto policy while being towed, but need separate coverage for comprehensive or collision.

  • Does my homeowners policy cover my boat?

    Typically, only small boats with low horsepower might be partially covered. Larger boats, personal watercraft, and those stored off-site should have a separate policy.

  • What if I only use my RV seasonally?

    No problem—we can write part-time or seasonal RV coverage that reflects how and when you use your vehicle.

  • Can I insure my motorcycle and car with the same company?

    Yes—and bundling can save you money. We’ll help you find the right fit for your vehicles and riding style.

  • Do I need insurance for off-road vehicles if I don’t drive them on public roads?

    Even if not legally required, coverage is strongly recommended to protect against injury, theft, or damage while in use or in storage.

  • What happens if someone else uses my recreational vehicle?

    It depends on the policy. Some cover guest riders or drivers, while others don’t. We’ll clarify what’s included and adjust if needed.