Your RV, boat, motorcycle, or classic car needs more than an afterthought on your auto policy. We specialize in recreational coverage through Hagerty and other carriers — and we know the right questions to ask.
A recreational vehicle policy isn’t the same as personal auto. An RV has living quarters, specialized equipment, and total-loss replacement considerations. A classic car has agreed value, spare parts, and club-use mileage. A boat has navigation territory limits and towing on the water. We’ve been around long enough to know what each of these actually needs — and Jamon is a classic car enthusiast himself.
From a full-timer motorhome to a numbers-matching restoration, here’s what we shop and write.
RV & MotorhomeFull-timer and seasonal coverage available. Includes contents, attachments, emergency expenses, and total-loss replacement for newer units.
Boat & WatercraftHull, motor, trailer, and liability. Navigation territory matters — we’ll make sure your water coverage fits where you actually boat.
MotorcycleLiability, collision, comprehensive, and accessory coverage for gear and custom parts. Year-round and seasonal options.
Classic & Collector Car via HagertyAgreed value (not book value), spare parts coverage, and flexible mileage for show, club, and pleasure use. Hagerty is the gold standard for collector vehicles.
ATV & Utility VehiclesOff-road liability, collision, and comprehensive for ATVs and UTVs used on trails or private property.
SnowmobileSeasonal coverage with collision, liability, and trailer included.
The questions RV, boat, and collector car owners ask us most.
Full-timer coverage treats your RV as your primary residence — it includes coverage categories that standard auto-based RV policies skip, like personal liability, medical payments, and contents coverage comparable to a homeowners policy. If you live in your RV for more than 6 months a year, you need full-timer coverage.
Small boats (under 25 horsepower, under a certain value) may have limited coverage under a homeowners policy. Larger boats, pontoons, and anything with significant value needs a separate watercraft policy. Liability on the water is a particular gap in most homeowners policies.
Hagerty insures vehicles at agreed value — the amount you and the insurer agree the car is worth — not book value. If your ’67 Mustang is totaled, you get the agreed value, not what Kelley Blue Book says it’s worth. Hagerty also covers spare parts, reimburses towing to the nearest qualified shop, and doesn’t penalize you for going to a car show.
Yes. Seasonal or lay-up endorsements are available that reduce your premium during winter storage months while keeping comprehensive coverage (theft, fire, weather) in effect year-round.
Actual cash value (ACV) pays what the vehicle is worth at the time of loss, minus depreciation. Agreed value pays the amount stated on your policy — no depreciation, no argument. For collector vehicles, agreed value is almost always the right choice.
Jamon is a classic car enthusiast himself — he asked questions about my restoration project that my previous agent never would have thought to ask. I’m insured through Hagerty now and the coverage is exactly right.Sellman Insurance Client — Urbana, Ohio
Tell us what’s in the garage or on the trailer — we’ll find a policy that actually fits it.