June 7, 2022

Insuring Your Specialty Vehicles

Written by:
Bob Phillips
Reviewed by:

If you own a private plane or yacht, you’re well aware that these high-end assets need a specialized insurance policy because of the unique risks they pose. 

But, what about other specialty vehicles you own – an RV, motorcycle, ATV, golf cart, or snowmobile? No matter the size of these vehicles or the horsepower of their engines, it’s essential that you have specialty vehicle coverage for them to protect you from significant liability exposure and financial loss.

Let’s look at each of the vehicles mentioned above and examine the benefits of specialty coverage for each of them.


Recreational Vehicles


Today’s RVs are homes away from home. They’re equipped not only with built-in living areas, kitchens, and bathrooms, but many feature green-tech upgrades like solar panels and other energy-efficient components, as well as the latest high-tech gadgets available. 


With some models exceeding $500,000 in cost, it’s important that you have a separate RV policy. Most homeowner’s policies have limited, if any, coverage for RVs. Auto policies also offer little protection, as well as not taking into account the contents you’ve brought along with you.


A separate RV policy will generally have higher liability limits and cover various scenarios, such as theft, collision, floods, fires, and animals, to name a few. Attached accessories like satellite dishes and awnings are also covered.


Many policies will also cover emergency lodging expenses if you have mechanical issues away from home, as well as roadside assistance. And another significant benefit – you’ll have liability protection when your RV is parked at a campsite or elsewhere.


ATVs and Snowmobiles

If you’ve spent any appreciable amount of time on one of these toys, you know they handle much differently than any other type of vehicle, and in some cases, they are potentially much more hazardous. Therefore, protecting yourself from significant liability is imperative.


Having the proven ability to handle off-road vehicles is vital not only for safety reasons, but insurers may review your driving record when underwriting your coverage. Other factors they consider are the location and frequency of use, safety features, model and age of the vehicle, and towing and storage. 


Golf Carts


Whether you’re cruising around your community or out on the golf course, you want to let your Kelly Klee advisor know that you own and operate your own golf cart. Your homeowner's policy may not pay for damages to your vehicle sustained on a golf course, and even if it’s not your primary vehicle, your cart should be covered under a separate policy to offer you full protection.



Almost every state in the U.S. requires motorcycle insurance, and to show proof of that insurance to register their bike. Most states require motorcyclists to have a minimum of $25,000 in bodily injury protection per person and $50,000 per accident, as well as $10,000 in property damage coverage.


Motorcycle insurance is essential to your protection on the road as your helmet and other safety gear. It covers repairs, replacement costs, medical bills for anyone injured in an accident, and the cost to fix any property damaged in an accident.


Individuals with high-value motorcycles should have the limits on their policy reviewed regularly. Your Kelly Klee advisor can assist you with that.

We Understand Your Needs

Our advisors are highly experienced in advising and finding the right insurance for high-net-worth individuals and families. So, whether it be your high-value home, autos, valuables, collections, or anything else you’ve worked hard for, we’ll make sure you have all of the protection you need from insurers that understand the needs of the affluent.


As a Kelly Klee client, you’ll also have access to a dedicated coverage concierge, as well as a 24/7/365 hotline, so we’ll be there whenever you need us.


Give us a call today at (844) 885-1600 and experience what makes Kelly Klee uniquely qualified to protect over $1 billion in personal property and wealth. 

Text Link