Boat, RV & ATV Insurance in Louisiana

Two policies you already own. Neither one covers the toys.

Here is the assumption that costs owners the most: "the truck's insured and the house is insured, so the stuff they tow and store must be too." Your auto policy generally lends its liability to a trailer only while it is hitched, and never covers the trailer's own damage. Your homeowners policy may extend a little coverage to small, low-powered craft, and usually stops at anything with a real motor, especially once it leaves the driveway.

So the toys get their own coverage, matched to what they are. A fishing boat or pontoon working the marsh out of Cocodrie, Dulac or Leeville, the Atchafalaya Basin or a run past Port Fourchon needs its own policy, often shaped by the marina and the lender. Ask about fuel spill and wreck removal while you're at it. A motorhome is a vehicle and a house at once: Louisiana's 15/30/25 minimum liability applies because it is registered like a car, and physical damage matters because it is a major asset. A travel trailer or fifth wheel needs its own physical damage coverage for storms, theft from the storage lot and fire. And the ATV that hauls the deer stand every fall needs coverage of its own.

South Louisiana weather works every season. Summer brings afternoon storms and street flooding, and hurricane season runs from June into November. Ida in 2021 and Francine in 2024 both left boats on their sides and campers crushed across the Bayou Region. That is why physical damage coverage and a written storm plan are the two things we talk about first.

Tell us what is in the driveway, the storage lot, the boat shed and the camp. We are a local insurance agency, and we offer boat, ATV, and RV & motorhome coverage alongside your auto and home. Combining policies may lower what you pay. Discounts vary and are subject to terms, conditions and availability.

An RV is a vehicle and a house. Insure both halves.

That dual nature is the whole reason RV insurance is its own product rather than a line on your auto policy. Get the vehicle half wrong and you are underinsured on the road. Get the house half wrong and you are underinsured everywhere you park.

Motorhomes versus trailers

A motorhome is a registered motor vehicle, so Louisiana's 15/30/25 minimum liability applies, the same as a car: $15,000 bodily injury per person, $30,000 per accident and $25,000 property damage. Insurers must offer uninsured motorist coverage at your liability limits, and turning it down takes a signed form. Given the size and weight of a motorhome, the state minimum is a starting point, not a plan.

A travel trailer or fifth wheel is not self-propelled, and your tow vehicle's liability generally covers it while hitched. What people hear is "covered." What is true is "covered for one narrow thing during one narrow window." The trailer's own damage, its contents, and every unhitched hour need physical damage coverage of their own.

The parked half nobody prices

When the rig stops moving it becomes a residence, and residence risks show up: guests, dogs, awnings, hookups, and everything inside. Ask about vacation liability for the campsite and personal belongings coverage for the contents, and check the limits against what you actually travel with once you add electronics, fishing gear and tools.

If the rig is the residence, tell us. A policy built for weekends may not be built for full-time living, and that is a conversation to have before a claim, not after.

Camping season, and hurricane season

South Louisiana rigs get used most of the year, from weekends at Lake Fausse Pointe or Palmetto Island State Park to trips out of state. Plan for both halves. On the road, make sure liability limits are real. Parked, keep physical damage in force and tell us where the rig is kept. A covered storage building, a gravel lot in Gray and your own driveway in Bourg are not the same risk to an underwriter, and a camper in a low spot is a flood claim waiting for the next storm.

Bayou mornings and Gulf runs. Insured like you mean it.

Few places have more water close to home. Bay boats and flats boats work the marsh out of Cocodrie, Dulac, Chauvin and Leeville. Bass boats run the Atchafalaya Basin out of Morgan City and Henderson. Pontoons and family boats spend summer weekends on Lake Boeuf and the bayous. Whatever you launch, it needs its own policy.

Who actually sets the requirements

Marinas commonly want proof of liability at a set limit before they rent you a slip, and some want to be named on the policy. Bring us the slip agreement and we will match it. Lenders require physical damage on a financed boat and will want to be the loss payee. Where you run can matter too, so tell us whether the boat stays inshore or heads offshore.

The other half has nothing to do with paperwork. If your boat sinks, wreck removal can be your responsibility. If fuel gets out, environmental cleanup can be your responsibility. Neither bill is capped by what the boat was worth, which is why "it's an old boat, it isn't worth insuring" is a mistake in reasoning rather than a budget decision. Ask whether your policy can include both.

Fishing boats, pontoons and family boats

A fishing boat carries real money in electronics, trolling motors and tackle. A pontoon is built for a crowd: kids, grandparents, friends and the dog. Either way, liability and medical payments deserve real limits. Ask about coverage for the trailer, the motor, and gear like electronics and fishing equipment, and about uninsured boater coverage in case the other boat has none.

Hurricane haul-out and storm plans

Every boat owner in Terrebonne and Lafourche knows the drill, but not everyone writes it down. Decide before June whether the boat gets hauled out and trailered north, moved into a storage building, or secured on a lift, and who moves it if you're working offshore when the storm comes. Some policies and marinas expect a storm plan, so ask us what yours requires and how it handles a named storm. Photograph the boat and its gear at the start of every season.

Jet skis, ATVs, and the rest of the camp

Personal watercraft deserve more respect than they get. They are fast, and they are often handed to a friend who has never operated one, which is a liability profile out of proportion to the price of the machine.

ATVs and side-by-sides need their own coverage too, especially in hunting season when they're hauling stands, feeders and coolers across the lease. Your homeowners policy generally will not respond once they leave the property, and sometimes not even on it. ATV coverage can include liability, theft and the trailer hauling them. The camp itself is a building, not a toy, so ask us about it separately, and remember that flood needs its own flood policy. Street bikes belong on a motorcycle policy.