Recreational Vehicle Insurance
Recreational Insurance is designed to protect your weekend vehicles and outdoor gear—from RVs and boats to dirt bikes and snowmobiles. In Kansas, where wide-open highways and scenic lakes are just part of the lifestyle, having the right coverage for your recreational vehicles isn’t just smart—it’s essential.
Unlike standard auto insurance, recreational vehicle insurance provides specialized protection for how and where these vehicles are used. Whether you’re taking your camper down to El Dorado Lake or cruising your jet ski at Perry Lake, KansasInsurance.org helps you find coverage that fits your ride and your budget.
What is Typically Covered?
Recreational insurance policies can be customized depending on the vehicle, but most cover:
Physical Damage Coverage: Covers repair or replacement if your RV, boat, ATV, or other recreational vehicle is damaged in a collision, by weather, or from vandalism.
Liability Protection: Covers bodily injury or property damage you cause to others while using your recreational vehicle.
Uninsured/Underinsured Motorist Coverage: Important if you’re hit by someone without insurance while off-roading or on the water.
Comprehensive Coverage: Includes fire, theft, hail, flooding, and other non-collision incidents—very important in storm-prone areas of Kansas.
Accessory & Equipment Coverage: Protects add-ons like awnings, solar panels, custom lighting, GPS systems, and more.
Vacation Liability: Offers liability protection while your RV is parked and used as a temporary residence.
Towing & Roadside Assistance: Optional, but helpful for larger vehicles like RVs and trailers that may need special towing.
How Much Does This Typically Cost in Kansas?
Costs vary depending on the type of vehicle, how often you use it, your driving history, and your chosen coverage. Here are some rough Kansas averages:
RV Insurance: $250–$1,500 per year (Class A motorhomes tend to be on the higher end)
ATV/UTV Insurance: $100–$400 per year
Boat Insurance: $200–$600 per year depending on type, horsepower, and coverage
Motorcycle Insurance: $150–$800 per year depending on your bike and rider experience
Jet Ski Insurance: $100–$300 per year
Keep in mind that bundling recreational insurance with your home or auto policy can often earn you a multi-policy discount.
If you plan to operate your recreational vehicle on public roads or waterways in Kansas, make sure you’re meeting state laws. You can check for specific registration and insurance requirements on the Kansas Department of Revenue – Vehicle Services Division.
About This Kind of Insurance
Standard insurance policies usually don’t cover recreational vehicles properly—especially when they’re being used off-road, on the water, or for extended trips. That’s why specialty recreational insurance is so important.
In Kansas, where outdoor living is a way of life, these vehicles are more than toys—they're part of family vacations, weekend getaways, and seasonal travel. Whether you're hauling an RV through the Flint Hills or tearing up trails on your ATV, having proper coverage means you don’t have to worry when the unexpected happens.
This insurance also covers unique situations—like storing your RV in the off-season or letting a friend borrow your snowmobile. It’s flexible, customizable, and designed to fit how you actually use your recreational vehicles.
Fun Facts
Kansas is home to over 40 state parks, making it a top destination for camping, boating, and off-road adventures.
Some lakes in Kansas, like Milford Lake and Cedar Bluff Reservoir, require liability insurance for certain watercraft to use public boat ramps.
RV travel surged in popularity after 2020, with more Kansans than ever choosing to explore the state on wheels—many for the first time.
How We Can Help
At KansasInsurance.org, we take the guesswork out of finding the right recreational insurance policy. Whether you're an avid outdoorsperson or a weekend adventurer, we help you:
Compare quotes from top-rated Kansas insurers
Choose the right coverage for your specific vehicle type
Understand state requirements for registration and insurance
Get insured fast—so you can get back to enjoying the outdoors
From ATVs in Dodge City to jet skis in Junction City, we help Kansans find affordable, no-hassle recreational vehicle insurance that keeps the good times rolling—safely and affordably.