We Know Your RV or Toy Vehicle Is More Than Just a Machine, It's How You Enjoy Life
Whether it's a cross-country road trip in your motorhome, a weekend trail ride on your ATV, or a relaxing round of golf in your cart, the vehicles you use for fun and adventure represent real investments. They deserve real protection.
That's exactly why we're here.
At Thrifty Insurance Services, we do the comparison shopping for you. As an independent agency, we work with multiple top-rated carriers to find coverage that fits your specific vehicle, how you use it, and your budget. We explain everything in plain, straightforward language, so you know exactly what you're covered for before your next adventure begins.
Whether you're a full-time RV traveler, a seasonal camper, or an off-road enthusiast, we'd love to help you find the right coverage for the way you live and play.
"Most people are surprised to find out their standard auto or home policy doesn't fully cover their RV or recreational vehicles, until it's too late."
What Kind of Vehicle Are You Looking to Protect?
We work with a wide range of recreational and specialty vehicles. If you're not sure whether your vehicle qualifies or what type of coverage it needs, that's exactly the kind of question we love to help answer.
Motorhomes & RVs (Class A, B, C)
Motorhomes are major investments that need more than standard auto insurance. Whether full-time or occasional use, we help cover your RV, belongings inside, and road liability.
Travel Trailers & Fifth Wheels
Towed RVs have unique coverage gaps. We help you understand what your tow vehicle covers, and what it doesn't, so you're fully protected.
Pop-Up & Folding Campers
Even smaller campers deserve protection. We match coverage to your camper's value and how often you use it.
ATVs, UTVs & Side-by-Sides
Off-road vehicles face risks like crashes, theft, and rollovers. We help you get coverage built for trail use and rugged terrain.
Golf Carts
Coverage varies based on where you drive—golf courses, communities, or private property. We help you choose the right protection.
Snowmobiles
For riders in snowy regions, coverage protects against accidents, theft, and damage—so you can enjoy the season with peace of mind.
Other Specialty Vehicles
Have something unique? We work with flexible insurers to find coverage tailored to how you use your specialty vehicle.
Not sure what type of coverage your vehicle needs? That's a great question — and one we're happy to walk through with you. No pressure, just honest answers.
Talk to an AdvisorRV & Toy Vehicle Coverage Options We Can Help You With
Recreational vehicle coverage isn't one-size-fits-all. Here's a look at the key coverage types we can help you explore, and what each one actually means for protecting your investment and your adventures.
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Personal Belongings Coverage
- Full-Timer Coverage
- Emergency Expense Coverage
- Roadside Assistance & Towing
- Seasonal & Storage Coverage
Every vehicle and every owner is different. Let's talk through what makes the most sense for your specific situation.
Get a Personalized QuoteRV & Toy Vehicle Insurance for Every Kind of Adventurer
We work with all kinds of recreational vehicle owners across our six service states. Whatever your adventure looks like, we'll help you find coverage that fits.
- Full-Time RV Travelers & Snowbirds
- Weekend Campers & Seasonal Adventurers
- Off-Road Enthusiasts
- Homeowners with Recreational Vehicles
- Multi-Vehicle & Multi-Season Owners
Ready to Protect Your Adventure Before It Begins?
Your RV, ATV, camper, or toy vehicle represents more than just a purchase — it's how you recharge, explore, and make memories. Make sure it's protected the right way.
Let us compare options across top-rated carriers so you get coverage that truly fits your vehicle, your lifestyle, and your budget. Getting started takes just a few minutes, and you'll have a real person ready to walk you through everything — clearly, honestly, and without any pressure.
No jargon. No runaround. Just straightforward guidance from people who genuinely care about protecting the things that matter to you.
Proudly serving adventurers in Arizona, California, Colorado, Texas, Oregon & Utah.
RV & Toy Vehicle Insurance Questions? We've Got Honest Answers.
Generally no. Standard auto policies usually don't cover RVs, ATVs, or UTVs. These typically need separate, specialized insurance.
Only very limited coverage, and usually only while stored on your property. It won't cover use on roads or trails.
Yes, it's still worth considering. Accidents and liability can happen even on private land.
Recreational: occasional use for travel/camping. Full-timer: for RVs used as a primary residence, with broader, home-like protection.
Yes. Many policies offer storage or lay-up options to lower costs during off-season months.
Yes. Requirements and carrier options differ by state. Coverage should be tailored to where you live and ride.