For more than 50 years, Pepper, Johnstone & Company has been trusted with insuring families and businesses. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection.
RV Insurance
from Pepper, Johnstone & Company
Recreational vehicle insurance provides coverage for both property and liability similar to an automobile policy; however, because of the unique exposures associated with theses types of vehicles, special policies designed specifically for recreational vehicles are required. Recreational vehicles include:
- ATVs
- Dirt/trail bikes
- Jet skis
- Motor homes/travel trailers/fifth-wheel
Why You Need Protection
It’s a common misconception that your recreational vehicle is adequately covered by the same insurance policy that insures your auto or home. Your recreational vehicle is unique, and requires specialized recreational vehicle insurance. In most cases you’ll need additional insurance not available on your home or auto policy. Our specialized recreational vehicle insurance products are designed to provide the type of coverage you need while remaining price-competitive.
Types of RV Insurance Coverages
The protection we offer reaches well beyond a typical home or auto policy and can include coverages such as:
- Collision and Comprehensive/Theft, including:
- Accessories – at replacement cost
- Safety riding apparel, including helmets
- Bodily Injury Liability
- Property Damage Liability
- Transport Trailers
- Uninsured/Underinsured Motorists
- Medical Payments
- 24-Hour Roadside Assistance – covers your tow vehicle and transport trailer, in addition to your ATV.
Get the protection you need tomorrow, today.
To learn more about our Recreational Vehicle insurance products, speak with one of our experienced professionals today.
Frequently Asked Questions
about everything insurance
Always contact us first, so we can best advise you on whether filing the claim makes sense or can adversely impact your future premiums and is best for you to self-insure the loss. Don’t make the mistake of filing a small claim, since all claims stay on your claims record for 5-years, which will impact your insurance premium for a 5-year period. Let our in-house claims advocates help guide you through this process.
The amount of loss paid by the policyholder. Either a specified dollar amount and/or a percentage of the total value. The larger the deductible, the lower the premium charged for the same coverage, since you are assuming a higher loss amount by taking a higher deductible. Insurance carriers only pay losses above the deductible amount, so if the loss incurred is not substantially above your deductible, it’s usually best to self-insure (i.e., pay the loss yourself out-of-pocket) by not filing it with your insurance carrier.
What do people think about us?
Hear from some actual clients.
on Google
We recently switched our home and auto policies to Pepper, Johnstone & Co and have had a great experience. Their entire team is not only knowledgeable but down to earth and willing to share their time, tips and creative ideas. They’ve helped us to achieve to comprehensive protection at the lowest possible cost. I would recommend Pepper, Johnstone and Co to anyone.
— J.W. E.
on Google
I am always pleased with the gracious and prompt responses to my insurance inquiries, to my specific insurance needs regarding several policies with Pepper, Johnstone & Company. The staff, especially Lauren Hart, makes every effort to take care of my insurance needs, addressing many concerns. I could not be more pleased and feel more secure knowing these folks are taking care of business for me and in my best interest.
— Teresa H.
on Google
Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them.
— Jeremiah H.
on Google
This is a great company to work with! Casandra did an excellent job making sure my claim was completed in a timely manner. Julie is always there to help me any time I need to make changes to my insurance needs. The staff is always professional to work with. I trust Pepper, Johnstone & Company with all my insurance needs and have for many years.
— Janet F.
on Google
I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.
— Russ L.
on Google
I have dealt with Pepper Johnstone and company in the past and have always had a good experience. This past week I needed a policy, I called Julie and she efficiently, and promptly quoted and bound coverage on the property. I would highly recommend Pepper Johnstone.
— Sharon K.
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