Specialty Vehicle Insurance

Home » Specialty Vehicles (Motorcycle, ATV, RVs, Classic Vehicles)

Insurance coverage for specialty vehicles—anything that isn’t an everyday passenger car—requires policies that are tailored to the vehicle’s unique usage, value, and risks. These vehicles often need special protection because they are used differently, customized, or valued much higher than standard autos. Below is a detailed breakdown of the most common specialty vehicles and what to consider for each.

RVs & Motorhomes

RVs and motorhomes function as both a vehicle and a living space, so coverage must protect your vehicle on the road as well as personal belongings inside. Policies may include:

• Comprehensive & collision

• Personal belongings coverage

• Emergency lodging & travel reimbursement

• Full-timers liability if you live in your RV full-time

ATVs, UTVs & Dirt Bikes

Off-road recreational vehicles face higher risks due to terrain, speed, and outdoor conditions. Coverage typically includes:

• Liability for injuries or property damage

• Collision & comprehensive for rollovers, impacts, or theft

• Accessory coverage for add-ons like lift kits, light bars, or racks

Golf Carts & Low-Speed Vehicles

Golf carts and LSVs are used in neighborhoods, private communities, and recreational areas. Insurance protects you from:

• Liability for accidents involving other people or property

• Damage caused by collisions, weather, or vandalism

• Custom equipment such as upgraded batteries or seating

Kit Cars, Replicas & Exotic Cars

These vehicles are custom-built or high-value, making traditional auto policies insufficient. Specialized coverage may include:

• Agreed value coverage (you’re paid a guaranteed amount if totaled)

• Protection for custom parts and labor

• Limited-use or show-only policies

Off-Road Vehicles

Vehicles designed strictly for trails, mud, sand dunes, or private land need off-road–specific protection. Coverage often offers:

• Liability for accidents on private property

• Damage from rollovers, trail hazards, or weather

• Coverage for modifications like performance upgrades or oversized tires