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Coverage for your RV, ATV, motorcycle, boat and Arizona adventures.
D&E Insurance Group helps Arizona residents compare insurance options for recreational vehicles, powersports, motorcycles, boats and more.
From desert trails and open highways to weekends at the lake, recreational vehicles come with risks that standard home and auto policies may not fully cover.
D&E Insurance Group helps Arizona individuals and families compare insurance options for RVs, ATVs and powersports, motorcycles and boats.
Coverage can vary significantly depending on what you own, how you use it and where you take it. We’ll help you understand the available liability, physical damage and optional coverage choices for your recreational lifestyle.
Whether you’re heading into the Arizona desert, traveling in your RV or spending the weekend on the water, we’ll help you explore coverage designed around how you actually use your recreational vehicles.
Recreational insurance isn’t one-size-fits-all. Coverage should reflect what you own and how you use it.
Coverage for eligible motorhomes, travel trailers, fifth wheels and campers, including options for liability, physical damage and personal belongings.
Protection for eligible ATVs, UTVs, side-by-sides and other powersports vehicles used for Arizona trails, recreation and off-road adventures.
Coverage options for motorcycles and eligible specialty bikes, including liability, collision, comprehensive and other available protection.
Coverage for eligible boats and personal watercraft, with options designed to protect the vessel, equipment and your liability on the water.
D&E Insurance Group can help you compare available coverage from multiple insurance carriers and build protection around the recreational vehicles you actually own.
Your RV combines transportation, travel and living space—which can create insurance needs that are different from a standard auto policy.
Liability Coverage
Liability coverage can help protect you from certain covered claims involving bodily injury or property damage for which you’re legally responsible.
Physical Damage
Collision and comprehensive coverage may help protect an eligible RV against covered damage, theft and other losses, subject to your policy.
RV-Specific Protection
Depending on the carrier and RV, additional options may be available for personal belongings, roadside assistance, vacation liability and other RV-related risks.
Coverage needs can be different for a motorhome, travel trailer, fifth wheel or camper. How often you use your RV—and whether you live in it for extended periods—can also affect the coverage you should consider.
Protection for the off-road vehicles you use on Arizona trails, desert terrain and recreational adventures.
ATVs, UTVs & Side-by-Sides
Coverage may be available for eligible ATVs, UTVs, side-by-sides and other powersports vehicles used for recreation and off-road riding.
Liability Protection
Liability coverage can help protect you from certain covered claims if you’re legally responsible for injuring someone or damaging another person’s property while operating your vehicle.
Damage & Theft
Available physical damage coverage may help protect an eligible powersports vehicle against collision, theft and certain other covered losses.
Don’t assume your homeowners or auto policy automatically provides the protection you need for an ATV or side-by-side. Coverage can depend on the vehicle, where it’s operated and how it’s used.
D&E Insurance Group can help you review the available coverage options before your next Arizona off-road adventure.
Coverage designed for your motorcycle, your liability and the way you ride.
Liability Coverage
Motorcycle liability coverage can help protect you from certain covered claims involving bodily injury or property damage for which you’re legally responsible.
Collision & Comprehensive
Physical damage coverage may help protect your motorcycle from covered collision losses as well as theft, vandalism and certain other non-collision losses.
Additional Protection
Depending on the carrier, options may be available for accessories, custom equipment, roadside assistance and uninsured or underinsured motorists.
The right motorcycle coverage depends on your bike, riding habits, coverage limits and the protection you want for both yourself and the motorcycle.
D&E Insurance Group can help Arizona riders compare available motorcycle insurance options from multiple carriers.
Protection for your boat, equipment and liability—whether you’re headed to Lake Pleasant, Lake Havasu or beyond.
Boat Liability
Liability coverage can help protect you from certain covered claims involving bodily injury or property damage for which you’re legally responsible while operating your boat.
Damage to Your Boat
Physical damage coverage may help protect an eligible boat against covered collision losses, theft and certain other types of damage.
Equipment & Additional Coverage
Depending on the carrier and policy, coverage options may be available for eligible equipment, personal property, towing and other boating-related risks.
Boat insurance needs can vary based on the type and value of your boat, where you use it, how it’s stored and the liability protection you choose.
D&E Insurance Group can help Arizona boat owners compare available coverage options and understand what’s included before they head out on the water.
Common questions about insuring RVs, ATVs, motorcycles and boats in Arizona.
What types of recreational vehicles can D&E Insurance Group help insure?
Depending on carrier eligibility, coverage may be available for motorhomes, travel trailers, fifth wheels, campers, ATVs, UTVs, side-by-sides, motorcycles, boats, personal watercraft and other recreational vehicles.
Does my auto insurance cover my recreational vehicle?
A personal auto policy generally isn’t a substitute for dedicated coverage on an RV, motorcycle, ATV or boat. Coverage can vary based on the vehicle and policy, so it’s important to review how your recreational vehicle is insured.
Does homeowners insurance cover my ATV, boat or other recreational vehicle?
Homeowners policies may provide limited coverage for certain recreational vehicles or related property in specific situations, but important restrictions and exclusions can apply. Separate coverage may be needed.
Can I insure more than one recreational vehicle?
Yes, depending on carrier eligibility. If you own multiple recreational vehicles, D&E Insurance Group can help you compare options for insuring them alongside your other personal insurance policies.
What affects the cost of recreational insurance?
Premium can depend on factors such as the type and value of the vehicle or boat, how it’s used, driver or operator information, coverage limits, deductibles, storage and other underwriting considerations.
Can recreational insurance include liability coverage?
Yes. Liability coverage is an important part of many recreational insurance policies and can help protect you from certain covered claims if you’re legally responsible for injury or property damage.
Can I add umbrella insurance over my recreational vehicles?
Certain eligible recreational vehicles may be included under a personal umbrella policy when underlying insurance requirements are met. Eligibility varies by carrier and policy.
Learn About Personal Umbrella Insurance
Can D&E help me compare recreational insurance options?
Yes. D&E Insurance Group can help Arizona individuals and families compare available coverage options for RVs, ATVs and powersports, motorcycles and boats from multiple insurance carriers.