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// RV & TOYS INSURANCE
RV, ATV & Recreational Vehicle Insurance in Louisiana
Protect your RV, camper, and recreational vehicles with coverage built for how you actually use them. We compare rates from multiple carriers to cover your RVs, ATVs, UTVs, motorcycles, and golf carts.
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RV & Recreational Vehicle Coverage in Louisiana
Whether you're traveling the Gulf Coast in your RV or camper, your standard auto or homeowners policy won't cover your recreational vehicles the way a dedicated policy does. RVs, travel trailers, and motorhomes need specialized coverage built for life on the road.
The same goes for ATVs, UTVs, motorcycles, and golf carts. We'll compare quotes from multiple carriers to find coverage that matches your vehicle, your usage, and your budget.
Tailored
Policies
Bundle &
Save
RVs and campers: Class A, B, C, and travel trailers.
ATVs, UTVs, and side-by-sides for trails and hunting land.
Motorcycles with full liability, collision, and comprehensive options.
Golf carts for communities, courses, and road use.
// WHAT'S COVERED
What Your Recreational Vehicle Policy Covers
Collision Coverage
Covers damage to your RV, ATV, UTV, motorcycle, or golf cart from an accident with another vehicle, object, or rollover, whether on the road, at a campground, or on the trail.
Comprehensive Coverage
Protects against non-collision events like theft, vandalism, fire, flooding, and storm damage. Essential in Louisiana where hurricanes and heavy storms are a yearly risk.
Liability Protection
Covers bodily injury and property damage if you're at fault in an accident. Required for road-legal vehicles like RVs and motorcycles, and strongly recommended for off-road use.
Accessories & Custom Equipment
Covers aftermarket accessories like winches, custom wheels, lift kits, sound systems, and cargo racks. Louisiana riders often invest heavily in upgrades that standard policies don't cover.
Roadside Assistance & Towing
Covers towing, flat tire changes, battery jump-starts, and emergency fuel delivery. Whether your RV breaks down on I-10 or your ATV gets stuck on a remote trail, help is covered.
Medical Payments
Covers medical expenses for you and your passengers after an accident, regardless of fault. Recreational vehicles carry real injury risk, and medical payments coverage helps manage those costs.
Why Louisiana Riders Choose Chabert
Independent Agency
We compare recreational vehicle insurance quotes from multiple carriers to find you the best rate and coverage, whether it's for an RV, ATV, motorcycle, or golf cart.
Local Louisiana Agents
We know Louisiana: the campgrounds, the highways, the trails, and the hunting land. We build policies around how you actually use your RV and recreational vehicles, not generic templates.
Claims Assistance
If your RV is damaged in a storm, your ATV is stolen, or you're in a motorcycle accident, give us a call. We'll help you file with your carrier, answer your questions, and walk you through what to expect.
Get Your Recreation Quote
Or call (225) 395-4000 to talk to a local agent.
RV & Recreational Vehicle Insurance FAQ
RV insurance in Louisiana typically ranges from $1,000 to $3,000+ per year depending on the RV's type (Class A, B, or C), value, how you use it (full-time vs. recreational), and where you store it. As an independent agency, we compare quotes from multiple carriers to find the best rate for your specific RV and travel habits.
A recreational vehicle insurance policy typically covers collision damage, comprehensive (theft, fire, vandalism, storms), liability for bodily injury and property damage, medical payments, and often includes options for custom accessories and roadside assistance. The specifics depend on the type of vehicle. RVs, motorcycles, ATVs, UTVs, and golf carts each have tailored policy options.
No. Standard auto insurance does not cover RVs, motorcycles, ATVs, UTVs, or other recreational vehicles. Each type of vehicle needs its own policy with coverage tailored to its specific risks and usage. RVs need specialized motorhome or travel trailer policies, motorcycles require separate motorcycle insurance, and off-road vehicles need specialty coverage.
Louisiana does not require insurance for off-road-only ATVs and UTVs, but it's strongly recommended. If your ATV or UTV is stolen, damaged, or causes injury, you'd be responsible for all costs out of pocket. If you ride on public roads or road-adjacent areas, liability coverage becomes even more important. Many ATV and UTV owners are surprised to learn their homeowners policy provides little to no coverage.
Some homeowners policies provide very limited golf cart coverage when used on your own property or within a gated community, but the coverage is minimal and won't protect you if you drive it on public roads or cause an accident. A standalone golf cart insurance policy provides proper liability, collision, and comprehensive coverage.
Yes. As an independent agency, we can often bundle your RV, ATV, motorcycle, or golf cart insurance with your home, auto, and other policies for multi-policy discounts. Bundling not only saves money but makes managing your coverage simpler: one agent, one phone call for everything.
Still have questions? Call (225) 395-4000 or get your free quote.
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