Specialty & Recreational

Specialty & Recreational Products Insurance

At RHA, we know that not everything you insure fits into a standard policy. Specialty and recreational products often represent both significant financial investments and meaningful time spent with family and friends. Protecting them properly helps ensure your enjoyment does not turn into an unexpected financial burden.

Recreational and specialty vehicles come with unique risks, usage patterns, and coverage needs. From seasonal use to off-road operation and specialized equipment, these items often require coverage beyond what a standard auto or homeowners policy provides. At RHA, we take the time to understand how you use your equipment and help you choose coverage that fits your lifestyle.

Why Specialty Coverage Matters

Accidents, damage, theft, and liability can happen whether you are on the road, on the water, or off the beaten path. Without proper coverage, repair costs, medical expenses, or liability claims can add up quickly. Specialty insurance helps protect your investment, your finances, and your peace of mind so you can focus on enjoying your time, not worrying about what could go wrong.

We help you evaluate coverage options, identify gaps, and put the right protections in place before an issue arises.

Recreational Vehicles (RV), Campers, and Travel Trailers

Coverage designed to protect your vehicle, personal belongings, and liability while on the road or at your destination.

Boats & Personal Watercraft

Insurance for watercraft that helps cover damage, liability, and accidents on the water.

ATVs and Golf Carts

Protection for off-road and neighborhood vehicles often not covered under standard auto policies.

Specialty Equipment and Lawn Tractors

Coverage for valuable equipment used on your property or for specialized purposes.

Snowmobiles

Insurance tailored for seasonal use and unique operating environments.

E-Bikes

Coverage options designed to protect electric bicycles that may fall outside traditional homeowners or auto policies.

Every recreational lifestyle is different, and your coverage should reflect that. At RHA, we help you protect your specialty and recreational products with insurance solutions that fit how you live and play, so you can enjoy them with confidence and peace of mind.