Recreational Vehicle Insurance in California with offices in Rocklin and San Mateo
Protect your adventures with coverage for motorcycles, RVs, boats, ATVs, campers, and more — tailored to California roads, trails, and waterways. Schenone Insurance Agency helps you stay protected wherever you ride, drive, or dock, with personalized policies built for recreational lifestyles.
Why Recreational Vehicle Insurance Matters in California
California is built for adventure — but it also brings risk. From wildfire exposure in rural areas to theft, liability, and accidents, your standard auto or homeowners insurance may not fully protect recreational vehicles.
We help you:
- Insure your RV, motorcycle, ATV, boat, or camper for damage, theft, and accidents
- Add liability protection for injuries or property damage
- Meet state DMV and boating registration requirements
- Bundle with home or auto for potential savings
- Secure seasonal or year-round coverage options
What Recreational Vehicle Insurance Covers
Motorcycle Coverage
Covers damage to your bike, medical bills, and liability in case of an accident. Optional full coverage, custom parts protection, and uninsured motorist options available.
RV & Camper Coverage
Protects your motorhome or towable camper for collisions, fires, vandalism, and liability. Full-time or vacation-only coverage options available.
Boat & Personal Watercraft Coverage
Covers boats, jet skis, and trailers against theft, sinking, liability, and more — including inland or coastal use.
ATV & Off-Road Vehicle Coverage
Protection for quads, dirt bikes, UTVs, and side-by-sides — whether you ride recreationally or use for rural property access.
Liability & Medical Payments
Covers bodily injury and property damage to others, plus medical payments for riders and passengers.
- Roadside assistance for RVs or motorcycles
- Replacement cost for total loss
- Trailer, gear, or custom equipment coverage
Who Needs Recreational Vehicle Insurance?
You may need RV/toy insurance if you own:
- A motorcycle or scooter (used on public roads or recreationally)
- A motorhome, camper van, or towable trailer
- A boat, jet ski, or personal watercraft
- An ATV, UTV, or side-by-side for off-road or rural use
We serve everyday riders, weekend adventurers, and full-time RVers across Northern California and the Bay Area.
Why Choose Schenone Insurance?
- 40+ years of experience with California's unique risks
- Independent agency comparing multiple top-rated carriers
- Local offices in Rocklin and San Mateo — serving all of California
- Coverage tailored for year-round or seasonal usage
- Friendly, personal service from real licensed agents
FAQs About RV & Toy Vehicle Insurance
Do I need separate insurance for my motorcycle or RV?
Yes — most standard auto or home policies exclude these vehicle types. A separate policy ensures full protection.
Can I bundle this with my home or auto?
Often, yes. Bundling can lead to premium savings and simplified billing.
What if I only use my vehicle seasonally?
We offer flexible policies that accommodate part-time or limited use.
Can I insure custom parts or accessories?
Yes — we can add coverage for modifications, awnings, electronics, and more.
Do you serve areas outside Rocklin and San Mateo?
Yes — we help clients across California, including the entire San Francisco Bay Area and beyond.
Let's Talk insurance!
Hit the Road, Trail, or Water with Confidence
Whether you ride a motorcycle, camp in an RV, or explore the coast by boat, Schenone Insurance helps you stay covered with smart, reliable recreational vehicle policies.