Recreational vehicles

Added protection for life's luxuries.

An Inclusive Policy, Tailored to Your Needs

Your recreational vehicle is an investment that should be protected. In the event of an accident or loss, your insurance policy is meant to cover everything from damage to your vehicle and/or property, as well as the wellbeing of you and any passengers involved.

An Encova recreational vehicle policy covers your ATVs, campers, golf carts and more. Coverage includes but is not limited to:

Expenses from damaging a vehicle to injuring a person in an accident.

Costs from medical bills and lost wages as a result of an accident.

Damage to your car after an accident involving another vehicle or object.

Reimbursement for a tow and the labor costs to get your car up and running again.

Medical costs related to an accident regardless of who is at fault.

Damage to your car from vandalism, weather and accidents involving animals.

Protects you and your vehicle from uninsured drivers, hit-and-run drivers and those who do not have enough insurance to cover the costs of an accident.

Types Of Covered Vehicles

Different vehicles have different uses and therefore different insurance needs. Encova can build a customized plan for you.

  • ATVs
  • Campers
  • Golf carts
  • Mopeds
  • Motorbikes
  • Motorcycles
  • Motor scooters
  • Snowmobiles
  • Travel trailers


Coverages, limits, features and availability vary by state. Contact your independent Encova agent for product availability.


Our innovative personal lines solution, which features the comprehensive protection of our Exceed products, customizable coverage options, competitive discounts and more, was designed to meet your unique insurance needs. To find out if our Exceed products are available in your state, contact your independent Encova agent.