Skip to content
Click to Call
Oakley Insurance Group

7040 N Oracle Road
Tucson, Arizona 85704

Get Directions

Arizona Recreational Insurance Coverage

Recreational Vehicle Insurance

Recreational Vehicle is a very broad term for many different types of vehicles used for fun and enjoyment. This term can be used to refer to:

  • Off-Road/On-Road Motorcycles and Dirt Bikes
  • ATV/UTV and Four Wheelers
  • Boats and Personal Watercraft
  • Motorhomes (RV’s)
  • Travel Trailers (5th Wheel)
  • Golf Carts

Many people don’t consider the possibility of liability arising from the use of their motorized toys. Not only is it important to cover your family in the event that others are involved in an accident, but what happens if someone runs your ATV into a tree? What happens if your dirt bike is stolen? What happens if your 5th wheel experiences a tire failure while climbing up a mountain to a prime camping spot? What happens if someone using your ATV slams into another rider and vehicle while smoking through a forest trail? 

Much like other personal auto policies, coverage for recreational vehicles include liability, uninsured and underinsured, collision, and other than collision coverage. Each carrier and each policy can be customized with many different pieces, so we will only include the basics for these policies.



Liability covers your bodily injury and property damage liability in an accident if you are found to be at-fault. Liability covers the other people involved in an accident, not you or your family/friends.

Uninsured Motorist

Uninsured Motorist covers you in an accident if someone who is involved in an accident leaves the scene of the accident and cannot be found, or that person does not have insurance.

Underinsured Motorist

Uninsured Motorist covers you in an accident if someone who is responsible for the accident has insurance but doesn’t have enough insurance to cover their liability for your medical or property damage expenses.

Other Than Collision/Comprehensive

Comprehensive covers incidents to your vehicle for things other than collision. Some examples of coverage incidents include hail damage, a tree falling on your vehicle, and similar events.


Collision covers damage to your vehicle in the case of collision with an object or property, whether it’s another vehicle or a fixed object like a tree.


There are varying differences between each type of recreational vehicle, and even between the same category types, so make sure and stop by our office and sit down with one of our professional insurance agents to make sure you get the coverage and coverage limits need for the vehicles you zoom around in.


Request a Quote


Google Review Button

Partner Carriers

  • Aegis
  • Aetna
  • Ambetter
  • American Summit
  • Banner Aetna
  • Blue Cross
  • Chubb Insurance
  • Cigna
  • C.N.A
  • Distinguished Insurance
  • Employers
  • Encompass
  • Foremost
  • Hiscox
  • Humana
  • JC Taylor
  • Liberty Mutual
  • Main Street America
  • Mercury
  • Metlife
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • Stillwater
  • Travelers
  • United Health
  • United States Liability USLI