Owning recreational vehicles—whether it’s a sleek motorcycle, a family RV, a fishing boat, or an all-terrain ATV—offers freedom, adventure, and fun. But that freedom comes with responsibility. Whether you’re cruising the Gulf, riding through Mississippi trails, or road-tripping across the South, you need the right protection for you, your passengers, and your property.
At Accessible Insurance, we help you cover what matters most with personalized, affordable policies tailored to Louisiana and Mississippi lifestyles. With hurricane season, off-road hazards, and seasonal storage needs, recreational vehicle insurance here isn’t one-size-fits-all—and it shouldn’t be.
Why You Need Recreational Vehicle Insurance
Standard auto or homeowners policies often exclude or severely limit coverage for recreational vehicles. If you own a boat, RV, motorcycle, or ATV, a specialized policy is essential for:
- Protecting against property damage
- Covering liability for bodily injury or property damage
- Reimbursing theft or vandalism
- Covering guest passengers or riders
- Providing seasonal or storage coverage
In states like Louisiana and Mississippi—where weather, terrain, and recreational activity vary widely—having the right policy can make the difference between a weekend setback and a financial disaster.
Boat Insurance: Navigate the Gulf with Confidence
Boating in Louisiana and along Mississippi’s coastal regions is a way of life. But with the beauty of the water comes unique risks, from hurricanes and flooding to theft and marina accidents. Whether you own a pontoon, bass boat, or a high-performance vessel, Accessible Insurance offers tailored boat insurance in Louisiana that covers:
- Physical damage coverage for collisions, storms, and submerged hazards
- Liability coverage in case you injure someone or damage their property
- Theft and vandalism coverage, even while the boat is in storage or at the dock
- Uninsured boater protection, if you’re hit by someone without insurance
- Towing and assistance, both on and off the water
Local Tip: Hurricane coverage is often limited or excluded in cheaper policies. We make sure you’re protected with windstorm add-ons and hurricane haul-out reimbursement if needed.
Motorcycle Insurance: Ride Smart and Protected
From weekend backroad rides to daily commutes, motorcycle enthusiasts in Louisiana and Mississippi need protection beyond what’s offered by auto insurance. Accessible Insurance provides motorcycle insurance that balances affordability with essential coverage features:
- Collision and comprehensive coverage to protect your bike from accidents, fire, and theft
- Liability insurance to cover injuries or damages you cause
- Guest passenger liability, required in most states
- Medical payments and uninsured motorist protection
- Custom parts and gear coverage for aftermarket upgrades and accessories
Whether you ride a cruiser, sport bike, touring bike, or trike, we’ll help you choose a policy that fits your budget and riding style.
Did You Know? In Louisiana, motorcycles must carry liability coverage by law—but many riders underestimate how little protection that provides in an actual accident. Don’t ride unprepared.
RV Insurance: Protect Your Home on the Road
Your recreational vehicle is more than a vehicle—it’s your home away from home. That’s why RV insurance requires more than just a standard auto policy. At Accessible Insurance, we help RV owners across Louisiana and Mississippi safeguard their investment with coverage that includes:
- Motorhome or travel trailer physical damage coverage
- Vacation liability, covering incidents that happen while parked
- Personal belongings protection for furniture, electronics, and kitchen items
- Emergency expense coverage for temporary housing after an accident
- Roadside assistance for towing, tire changes, or lockouts
Whether you’re traveling cross-country or parking at a local festival, we ensure you’re covered every mile of the way.
Seasonal Tip: Many RV owners only use their vehicles part of the year. We offer seasonal and storage options so you’re not paying full-time premiums when your RV is parked.
ATV Insurance: Coverage for Off-Road Adventures
Four-wheelers, side-by-sides, dirt bikes, dune buggies—whatever you ride, we can help protect it. In both Louisiana and Mississippi, off-road vehicle insurance is strongly recommended (and sometimes required) if you’re riding on public land or participating in events.
Accessible Insurance offers ATV policies that include:
- Collision and comprehensive damage
- Liability coverage for injuries or property damage to others
- Accessory and trailer coverage
- Uninsured rider protection
Many ATV policies are surprisingly affordable, especially when bundled with your home or auto policy.
Regional Insight: In some parishes and counties, you can ride ATVs on designated public roads—but accidents that occur off your property often aren’t covered by homeowners’ insurance. A separate ATV policy closes that gap.
Seasonal and Storage Insurance Options
Recreational vehicles are rarely in use all year long—especially in Louisiana and Mississippi, where hurricane season, colder months, or changing hobbies often determine when and how you use your gear. That’s why Accessible Insurance offers flexible seasonal and storage options to make sure you’re only paying for coverage when you need it—without losing protection when your vehicle is idle.
What Seasonal Coverage Looks Like
If you store your boat from October to March or only ride your ATV in the summer, you may not need full, active-use coverage 12 months out of the year. We can help you suspend certain portions of your policy—like liability—while maintaining comprehensive protection against non-use risks.
For example:
- A boat in dry dock still needs protection against fire, theft, or hurricane damage
- An RV parked in your driveway could still be damaged by falling tree limbs or vandalism
- An ATV in storage might suffer from garage fires or flooding during severe storms
This type of “lay-up” coverage keeps costs low while ensuring you’re still protected during the off-season.
Hurricane and Storm Storage Considerations
Louisiana and Mississippi are particularly vulnerable to severe weather, especially during hurricane season. Even if your recreational vehicle isn’t in use, that doesn’t mean it’s safe. Boat lifts, sheds, and storage units can all fail under extreme conditions.
We offer guidance on:
- Where and how to store your vehicles for maximum protection
- Which policies require haul-out clauses or storm plans
- What documentation you may need before and after a weather event
Pro Tip: Some boat policies include a hurricane haul-out reimbursement to help you get your vessel to safer ground before the storm hits—just ask our team if this applies to your current or future policy.
Don’t Drop All Coverage During Storage
It might be tempting to cancel your policy entirely during months of non-use, but doing so can expose you to major risks and make it harder to get reinsured later. Instead, we help clients strategically adjust coverage—keeping the protection you need without overpaying.
Why Choose Accessible Insurance?
You don’t need a call center across the country to protect your recreational vehicles—you need a neighbor who understands your needs. At Accessible Insurance, we’ve earned a reputation for friendly, honest service that puts the client first. As a local independent agency, we offer:
- Competitive rates from top national carriers
- Personalized advice from agents who live where you live
- Fast claims support when you need it most
- Knowledge of local regulations, weather risks, and seasonal concerns
With offices serving South Louisiana and Coastal Mississippi, we’re deeply rooted in the communities we serve. When you call us, you’re speaking with someone who knows your neighborhood—not a stranger in another time zone.
Bundled Discounts and Policy Customization
One of the biggest advantages of working with us? You can bundle your recreational insurance with other policies for even better protection and pricing. Ask us about:
- Home + RV bundles
- Auto + Motorcycle discounts
- Umbrella coverage for added liability peace of mind
- Flood insurance for properties and vehicles in high-risk areas
Every policy we write is built to match your exact needs. No unnecessary add-ons. No confusing fine print. Just smart, flexible coverage.
What Happens If You Need to File a Claim?
No one wants to imagine their boat vandalized, their RV hit in a campground, or their motorcycle stolen—but these things happen. At Accessible Insurance, we make sure that when the unexpected does strike, you’re not alone. We walk you through every step of the claims process with speed, clarity, and local insight.
Fast, Friendly Local Support
Unlike national carriers that funnel you through a maze of call centers, Accessible Insurance connects you with real people based in Louisiana and Mississippi. That means faster responses, more personalized support, and agents who understand the local risks you’re dealing with.
- Local adjusters who know your area and typical seasonal threats
- Straightforward communication with one point of contact throughout your claim
- Supportive guidance from damage assessment to payout
Whether your ATV was stolen from a hunting camp or your RV sustained roof damage during a Gulf Coast storm, you’ll speak to someone who understands exactly what that means.
Tips to Make the Claims Process Smoother
To get back on the road (or water or trail) faster, we recommend keeping a few things in order:
- Document your vehicles with photos, especially before storm season
- Keep receipts or records for major repairs, upgrades, or modifications
- Know your policy number and coverage details, including your deductible
- File promptly—the sooner you start the process, the sooner you’re reimbursed
Our team can even help you review your policy before something goes wrong, so you know exactly what to expect if you ever need to file.
What’s Typically Covered
While each policy is unique, here are some common examples of what recreational vehicle insurance typically covers:
- Damage from collisions, whether on the road or in storage
- Storm damage, including wind, hail, and falling debris
- Fire or smoke damage, even in garages or marina storage
- Theft or vandalism, including accessories or trailers
- Liability claims if someone is injured using or near your vehicle
If you’re ever unsure whether an incident is covered, just reach out—we’re here to answer your questions honestly and clearly.
Get Started Today
Whether you’re storing a boat for winter, planning your next road trip, or gearing up for another off-road season, Accessible Insurance is here to help you protect what you love—without overpaying. We offer flexible options, local insights, and neighborly service you can count on.
Let us show you why we’re the trusted name in recreational vehicle insurance across Louisiana and Mississippi.