Coverage for the Way You Play

Protect your boat, RV, ATV, or side-by-side—on or off the road.

Your recreational vehicles deserve real protection, whether you're cruising Lake Eufaula, camping in Bankhead, or mud-riding after a good Alabama rain. At Schutz Insurance, we help cover the fun stuff—from RVs and boats to ATVs and golf carts. We’ll compare policies, explain your options, and help you insure your ride the right way.

What It Covers

A car is parked in front of a house in the snow.

Physical Damage

Covers damage to your RV, boat, or off-road vehicle from accidents, storms, theft, or fire—whether you're on the move or parked at home.

Liability Coverage

Pays for injuries or damage to others if you're responsible for an accident, whether it's on the road, water, or trail.

Accessories & Extras

Optional add-ons for things like custom parts, fishing gear, trailers, solar panels, or on-board electronics.

Frequently Asked Questions

  • Do I need separate insurance for my boat or ATV?

    Yes. Home and auto policies typically don’t cover recreational vehicles. We’ll help you find the right stand-alone policy.

  • Is RV insurance the same as auto insurance?

    It’s similar, but designed for how you use an RV—travel, camping, and extended stays. We can tailor coverage to fit how you use yours.

  • Can I cover my RV even if it's parked or stored?

    Absolutely. We offer year-round protection that includes storage, even when you're not using it.

  • Are passengers covered on my ATV or UTV?

    With the right liability coverage, yes. We’ll help you choose limits that protect you and your riders.

  • Can I bundle my RV or boat with auto or home insurance?

    Yes—bundling often saves money. We’ll check all options to help you get the best value.

Whether you're towing a camper, launching a boat, or firing up the four-wheeler, Schutz Insurance can help you protect your gear and your good time. We’ll match your coverage to your lifestyle—so you can enjoy the ride without the worry.