RV / ATV Insurance Lake Oswego

Whether you’re a full-time or part-time outdoor adventurer, protect your recreational vehicle (RV) and all-terrain vehicle (ATV) with insurance from Schmidt Insurance Group in Lake Oswego, Oregon. Our agents know their Schmidt and can help you find the coverage you need.

About Us

RV / ATV Insurance Lake OswegoSchmidt Insurance Group opened its doors in 2019 with a goal of making insurance easy while providing exceptional customer service. We proudly serve the local Portland area as well as the states of Oregon and Washington. Our office is full of born-and-raised Oregonians!

Our team is experienced in providing Home, Auto, Life, Condo, Renters, Motorcycle, RV/ATV, Boat, and Business insurance. We are specially trained in high-net-worth households and can help you find the exact amount of coverage you need.

What Does RV /ATV Insurance Cover?

RV / ATV insurance can protect you and your ATV, RV, motorhome, 5th wheel, or travel trailer in the event of loss, damage, an accident, injury, or theft. Coverages may include:

  • Liability: Liability coverage can help you pay for another person’s medical bills and loss of income or the costs to repair damage to their RV or ATV if you cause an accident.
  • Collision: Regardless of who is at fault, collision coverage can help pay to repair your damaged RV or ATV if you’re in an accident with another vehicle or an object, such as a fence. It also covers RV rollovers.
  • Comprehensive: This coverage can protect you in the event of non-collision damage, such as if your RV or ATV is stolen or damaged by fire, vandalism, falling objects, or hail, floods, and certain natural disasters.
  • Uninsured/underinsured motorist: This coverage can help cover your costs if another driver causes an accident but does not have liability insurance or lacks the money to pay for injuries and damages they cause to you, your passengers, or your RV or ATV.

How Much RV / ATV Insurance Coverage Do You Need & What Does It Cost?

There are many factors to consider when deciding how much RV or ATV insurance will meet your needs and what it will cost. Every RV and ATV is different, and every driver/rider is different.

ATVs: Your ATV policy limits may vary based on a number of factors. If, for example, you use your ATV for dune riding where the visibility is good, you may need less insurance coverage than if you ride in areas where trees and hillsides can obstruct your view. Other factors that may affect the cost of your coverage include the year, make, model, and engine size of the ATV; the age of the rider; and the rider’s driving record.

RVs: An RV is a big investment, so it’s wise to protect it with adequate insurance coverage. Different types of RVs are insured differently depending on their age and value, size, and quality. For instance, a 40-foot state-of-the-art RV will cost more to insure than a 16-foot used motorhome. And, typically, the more you use your RV, the more it will cost you to insure it. Other factors include your driving history.

If you’re going to use an RV or ATV, you’ll definitely want to make sure you have the right insurance coverage to protect you in case something goes wrong. Schmidt Insurance Group in Lake Oswego can help you evaluate what coverage makes sense for your needs. Stop in for coffee today, or reach out to us at (503) 206-0881 for more information.