Wherever you go, we’ve got your adventure covered.
From weekend road trips to days on the water, MAS Insurance helps protect the recreational vehicles that make life more fun. Compare coverage for RVs, travel trailers, jet skis, ATVs, golf carts and more.
Multiple markets. Local guidance. Personal service.
Your recreational vehicle deserves more than basic protection.
Recreational vehicles can create exposures that are not fully addressed by a standard auto or homeowners policy.
The right policy may help protect the vehicle itself, your liability to others, accessories, personal belongings and certain emergency expenses. Coverage depends on the vehicle type, use and carrier.
One agency for all your favorite toys.
Availability varies by carrier, vehicle, age, value, use and operator history.
Motorhomes & RVs
Coverage for qualifying Class A, Class B and Class C motorhomes used for personal recreation.
- Liability protection
- Collision and comprehensive
- Personal effects options
- Vacation liability options
Travel Trailers
Protection for towable campers, fifth wheels and conventional travel trailers.
- Physical damage
- Contents options
- Emergency expense
- Roadside assistance
Jet Skis & PWCs
Coverage for personal watercraft used for private recreation.
- Watercraft liability
- Physical damage
- Medical payments
- Trailer options
ATVs & UTVs
Protection for qualifying all-terrain and utility vehicles used for personal recreation.
- Liability options
- Collision coverage
- Theft protection
- Accessory coverage
Golf Carts
Coverage for eligible golf carts and low-speed recreational vehicles.
- Private property use
- Community use
- Liability options
- Physical damage
Dune Buggies & Toys
Specialty options for eligible custom and recreational vehicles.
- Specialty underwriting
- Agreed value options
- Accessory protection
- Storage coverage
Build protection around your vehicle and your lifestyle.
Coverage depends on the vehicle, policy form, carrier, selected limits, deductibles and endorsements.
Liability
May help pay for covered bodily injury or property damage you cause to others.
Collision
May help repair or replace the insured vehicle after a covered collision.
Comprehensive
May cover qualifying non-collision losses such as theft, fire, vandalism or weather.
Uninsured Motorist
May provide protection when an at-fault driver has insufficient insurance.
Medical Payments
May help with eligible medical expenses following a covered accident.
Accessories & Equipment
Coverage may be available for qualifying custom equipment and permanently installed accessories.
Coverage descriptions are general. Refer to the issued policy for complete limits, exclusions, conditions and definitions.
More than auto insurance for your home on wheels.
RVs combine vehicle, travel and living-space exposures. Depending on the policy, specialized features may help protect your trip, belongings and temporary campsite liability.
Review RV OptionsVacation Liability
Liability protection while the RV is parked and used as a temporary residence.
Personal Effects
Coverage options for qualifying belongings carried inside the RV.
Emergency Expense
May help with certain temporary lodging or transportation expenses.
Total Loss Options
Special valuation methods may be available for qualifying newer units.
Coverage should match your actual adventure.
Usage, territory, storage and frequency may affect eligibility and coverage options.
Weekend Recreation
Personal use for local outings, road trips, lakes, trails or campgrounds.
Seasonal Travel
Frequent travel or extended recreational use during certain seasons.
Full-Time RV Living
Specialized coverage may be needed when the RV serves as a primary residence.
Stored or Laid Up
Storage location and periods of non-use may affect available options.
Good coverage works best with good preparation.
Inspections, maintenance and safe operation can reduce risk and help keep your adventure on track.
Always follow manufacturer guidance, local laws and safety requirements for the vehicle or watercraft you operate.
Never operate a vehicle or watercraft while impaired or in unsafe weather or environmental conditions.
A smoother claim begins with the right first steps.
Prioritize safety, report the loss promptly and preserve documentation for the carrier or adjuster.
Get to Safety
Move away from traffic, fire, water or unstable conditions.
Document the Scene
Take photographs and gather contact information when safe.
Report the Claim
Contact the carrier or claims administrator promptly.
Prevent Further Damage
Take reasonable temporary steps and retain receipts.
A few details help us find the right fit.
Requirements vary by vehicle and carrier, but complete information can make the process faster.
Information we may need
Local service for your next adventure.
We help customers compare available recreational vehicle coverage, understand important policy differences and complete the application process with confidence.
Specialty Insurance Experience
Guidance for recreational vehicles, watercraft and other personal insurance needs.
Coverage Comparisons
Review available limits, deductibles, features and important exclusions.
Responsive Service
Friendly assistance throughout the application, underwriting and binding process.
Ongoing Policy Reviews
Update your policy when the vehicle, insured value, storage location or usage changes.
Protect the ride, the water and the memories.
Tell us what you own and how you use it. We will help you review available insurance options for your RV, jet ski, ATV, golf cart or other recreational vehicle.
Answers before you hit the road, trail or water.
Policy terms and eligibility differ by carrier. These answers are intended as general guidance.
Does my personal auto policy cover my RV?
A personal auto policy may provide limited protection in certain situations, but motorhomes and travel trailers commonly require specialized insurance for their full range of exposures.
Does homeowners insurance cover my jet ski?
Homeowners policies may provide limited or no protection for many personal watercraft exposures. A dedicated personal watercraft policy may be required.
What is vacation liability?
Vacation liability may help protect you when an insured RV is parked and being used as a temporary residence, subject to the policy’s terms and limits.
Can I insure a travel trailer without a truck?
Coverage may be available for the travel trailer itself, but the tow vehicle must have its own appropriate automobile insurance.
Are belongings inside my RV covered?
Personal effects coverage may be available for qualifying belongings carried inside the RV. Limits, deductibles and exclusions vary by policy.
Is roadside assistance available?
Some carriers offer towing, roadside assistance, emergency expense or trip-interruption benefits as optional coverage.
Can I insure an ATV or UTV?
Many carriers offer specialty insurance for qualifying ATVs and UTVs used for private recreation. Eligibility depends on the vehicle and its intended use.
Can a golf cart be insured?
Coverage may be available depending on the golf cart, operating location, registration, speed capability and whether it is used on public roads.
Is commercial use covered?
Personal recreational vehicle policies generally exclude many forms of commercial use, rental activity, delivery work or business operations.
What affects the cost of coverage?
Pricing may depend on vehicle type, value, age, location, storage, operator history, usage, selected limits, deductibles and prior losses.
Do I need coverage while the unit is stored?
Theft, fire, weather and other risks may still exist while the unit is stored. Storage or lay-up options vary by carrier.
Can I bundle this coverage with other policies?
Multi-policy or bundling discounts may be available when other qualifying insurance is placed with the same carrier.
Coverage descriptions are provided for general informational purposes only and do not amend, extend or replace the terms of any insurance policy. Coverage is subject to eligibility, underwriting approval, carrier requirements, policy forms, limits, deductibles, conditions and exclusions. Refer to the issued policy for complete terms and conditions.