Minnesota – the Land of 10,000 Lakes – is an outdoor lover’s dream. There are countless opportunities to explore the land, whether zipping through trails on your ATV or camping in your trailer at a state park. At Wheaton Insurance, we want to help protect you on your next adventure. Most home and auto insurance policies provide limited or no protection for specialized vehicles. That is why we offer ATV, RV, and trailer insurance designed to protect you, your recreational vehicles, and others whether you travel on the road or off.
With more than 1,000 miles of ATV-friendly trails, it is no wonder 4-wheelers are so popular in The North Star State. From leisure riding on the weekend to hard work around the ranch, having the right insurance means protecting you and your ATV around every twist and turn. We offer:
An ATV is no small investment. Keep your 4-wheeler safe and sound with collision insurance that pays for damages to your ATV in an accident. Whether you run into another ATV or a tree, collision insurance can help pay for repairs or replacement if your ATV is totaled.
You take a risk when you operate your ATV. If you accidentally injure another person or damage another person’s property, you could be held liable. We offer bodily injury and property damage liability to help pay for claims against you in an accident.
If a fire destroys your ATV while it is in storage or a thief steals if from a campsite, comprehensive insurance helps reimburse you for your losses. This type of insurance covers physical damages to your ATV caused by incidents other than collision.
If you installed after-market parts or invested in special accessories for your ATV, make sure they are protected. Examples include plows, racks, radios and more.
RV and Trailer Insurance
From motorhomes and travel trailers to pop-up campers and fifth-wheels, we know you need insurance as unique as your RV or trailer is. Perhaps you live in your RV several months per year, or maybe you only take it on the road a few weeks each summer. No matter how you use your recreational vehicle, we have insurance that fits your needs.
You are liable for any injuries or losses sustained by others when you are operating your RV. This includes accidents on the road and accidents that occur inside your RV when you are playing host to friends.
Collision and Comprehensive Insurance
Collision protects your RV when it is damaged in an accident, and comprehensive covers damages from other types of events. You can choose one or both types of coverage, as well as whether you want to insure your RV for its replacement value or its actual cash value based on depreciation.
Personal Belongings Coverage
If your RV is damaged in a collision or vandalized at a campsite, you may lose some of your personal belongings. Your insurance can reimburse you for these losses.
It’s no fun being stranded. Roadside assistance can cover you when your RV breaks down and needs to be towed. It can also provide 24-hour-a-day assistance if you need a locksmith, have a flat tire, or run out of gas.
If a collision or other covered event suddenly leaves you without a place to sleep for the night, your RV insurance can help pay for lodging, transportation and meals until you can return home.
Keeping Your Recreational Insurance Costs Down
Just because you invested a lot of money in purchasing your ATV or RV does not mean you have to spend a lot to insure it. At Wheaton Insurance, we aim to keep costs low for our customers, finding ways of lowering premiums without sacrificing coverage. To keep your policy budget-friendly, try raising the deductible on your coverage or combining your recreational insurance with other types of coverage from the same insurer.
Of course, it also pays to compare rates from multiple insurers until you find a competitive rate on the coverage you need. At Wheaton Insurance, we work for you – not the insurer. We can compare policies and premiums from several insurers until we find the coverage that is right for you. If you own an ATV, RV, trailer or other recreational vehicle, the right insurance can provide confidence during every journey you take. Contact us today to request your free quote. We look forward to serving you soon.