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Recreational Vehicle Insurance

Recreational Vehicle Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Recreational Vehicle Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

The Road Less Traveled

The thrill of adventure – it is what owning a recreational vehicle is all about. Whatever your interest, be it cruising on your motorcycle or exploring the road less traveled on your ATV, Don Gould Agency, Inc. offers advanced coverage options to meet the insurance needs of the adventurer in everyone.

Whether you are an experienced outdoor enthusiast or just starting out, we have a policy to fit your needs – from RVs and boats to ATVs, Don Gould Agency, Inc. can ensure the safety of both you and your vehicle. Our insurance options provide you with the same service and rich features you can expect – from comprehensive and collision coverage to personal injury protection and towing costs.

We offer a variety of Recreational Vehicle Insurance packages, such as:

    • Boat Insurance
    • Motorcycle Insurance
    • Motorhome Insurance
    • ATV Insurance
    • Snowmobile Insurance

Why Recreational Vehicle Insurance?

Owning a recreational vehicle can be a dream come true. It gives you the freedom to travel and the capability to explore new places, but with freedom comes responsibility. Should an accident happen – such as property damage, vandalism, or bodily injury as a result of a crash – it is reassuring to know that your investment is protected.

With Recreational Vehicle Insurance from Don Gould Agency, Inc., you can continue living the dream with confidence, knowing that you, your vehicle, and your passengers are protected. Contact one of our representatives today to find a package that works best for you.

Don Gould Agency, Inc. provides Recreational Vehicle Insurance to adventurers near Joplin, Webb City, Carthage, Carl Junction, Neosho, and Galena.

Tips For The Cost-Conscious Rider

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

    • Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
    • Maintaining a good driving record with no violations will also help reduce your premiums.
    • In many northern states, riders may save money by buying a “lay-up” policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
    • Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
    • Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.

Why Do You Need Insurance For Your Boat Or Personal Watercraft?

You’ll enjoy the water ever more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

    • If you’re in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
    • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
    • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you’re worth.
    • Your watercraft also needs protection when it’s on land. Accidents can happen while towing a watercraft.

Things To Consider And Questions To Ask Your Agent

Here are a few things to consider as you prepare for the discussion:

    • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
    • Is my boat or watercraft covered for use year-round?
    • What discounts and programs are available?
    • How much medical insurance and liability coverage is enough?
    • Do I have coverage if I need to have my boat towed in an emergency?
    • What’s the process for filing and settling a claim?
    • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

    • bodily injury
    • property damage
    • guest passenger liability
    • medical payments
    • theft

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.