Recreational Vehicle Insurance

Living in Vermont and New Hampshire means having plenty of opportunities to get outside and enjoy everything our region has to offer. Whether you're cruising on your motorcycle, exploring the trails on an ATV, heading out with your camper, or maintaining your property with a tractor, having the right insurance is worth considering.

At Barrett Insurance Agency, we work with a variety of insurance companies to explore coverage options for recreational vehicles and specialty equipment. And just like your home or auto insurance, there's no one-size-fits-all approach.

What Types of Vehicles Can We Help Insure?

Depending on the vehicle, its use, and the insurance company, we can explore options for:

Motorcycles

From touring bikes and cruisers to sport bikes and other street-legal motorcycles, coverage may include liability, collision, comprehensive, and optional equipment protection.

ATVs & UTVs (Side-by-Sides)

Whether you're riding recreationally, exploring designated trails, or using your machine around your property, coverage options may be available for liability, theft, accidental damage, and more.

Campers & Recreational Vehicles

Travel trailers, fifth wheels, motorhomes, and other campers can have unique insurance needs. Depending on the type of RV and how it's used, coverage may include physical damage, liability, personal belongings, and other specialized protections.

Snowmobiles

Winter is a big part of life in Northern New England! From local trails to trips farther from home, snowmobile insurance can provide coverage options for eligible machines and their recreational use.

Tractors & Specialty Equipment

Not every tractor is part of a commercial farming operation. Some are used strictly for maintaining residential property, while others are involved in agricultural or business activities.

How your tractor or equipment is used plays an important role in determining which insurance policy may be appropriate.

Don't Assume Your Homeowners or Auto Policy Covers Everything!

One of the most common misunderstandings involving recreational vehicles is assuming they're automatically covered under an existing homeowners or auto insurance policy.

While some policies may provide limited coverage for certain vehicles or situations, important exclusions and restrictions often apply.

For example, coverage may depend on whether a vehicle is being operated on your property, used on public roads, ridden on trails, or transported somewhere else.

It's worth checking before you discover a coverage limitation following a loss.

How You Use It Matters!

A recreational ATV used on weekends can present a very different insurance exposure from a UTV used for business, a tractor performing work for others, or a camper that serves as a seasonal residence.

Some things we may ask about include:

• Where and how the vehicle is used.

• Whether it's for personal, agricultural, or business purposes.

• Who operates the vehicle.

• Whether it's registered, financed, or subject to trail or road-use requirements.

• Any modifications, accessories, or additional equipment.

These details help us explore the insurance options that may be available for your particular situation.

Coverage options vary by vehicle, intended use, insurer, and state. All coverage is subject to eligibility, underwriting approval, and applicable policy terms, conditions, limits, deductibles, and exclusions.