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Recreational Vehicle Insurance
With over 30 years of experience, our team at Aaron Smith Insurance Group is ready to help you protect the recreational vehicles that power your fun and productivity. From trail riding and weekend adventures to work-ready equipment, we’ll help you find coverage that fits your lifestyle and keeps you moving. Fill out your information below to get started.
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Need some help?
We’re here to provide support and assistance.
Need some help?
We’re here to provide support and assistance.
Need some help?
We’re here to provide support and assistance.
Comprehensive Protection for Your Recreational Vehicles and Outdoor Lifestyle
Insurance Designed for Adventure and Utility
Recreational vehicles offer freedom, convenience, and enjoyment—but they also come with risks that standard auto or homeowners insurance often doesn’t fully cover. Whether you own an ATV, Dirt Bike, Golf Cart, Autocycle, Compact Tractor, Segway, or E-bike, specialized recreational vehicle insurance helps protect your equipment, finances, and liability exposure in case of accidents, theft, or damage.
These vehicles are used in a wide range of environments, from trails and private property to roads and shared paths, making proper coverage essential.
Types of Recreational Vehicles Commonly Covered
Recreational vehicle insurance can be tailored to cover many different vehicle types, including:
ATVs and UTVs – For trail riding, hunting, and property use
Dirt Bikes – Designed for off-road performance and competition
Golf Carts – Used on courses, in neighborhoods, and on private property
Autocycles – Road-legal vehicles with unique handling and coverage needs
Compact Tractors – For small acreage, landscaping, and light work
Segways and E-Bikes – Increasingly popular for personal transportation and recreation
Each vehicle type has unique insurance requirements and risk factors.
Common Coverage Options
A recreational vehicle insurance policy may include:
Liability Coverage – Helps cover bodily injury or property damage to others
Collision Coverage – Pays for damage to your vehicle from an accident
Comprehensive Coverage – Protects against theft, fire, vandalism, and weather damage
Uninsured/Underinsured Motorist Coverage – Offers protection if you’re hit by an uninsured driver
Medical Payments Coverage – Helps with medical expenses after an accident
Optional coverages can include accessory coverage, trailer coverage, and roadside or towing assistance.
Why Choose Aaron Smith Insurance Group
At Aaron Smith Insurance Group, we understand that recreational vehicles are an investment in both fun and function. As an independent agency, we compare policies from multiple carriers to find coverage that fits your usage, storage, and budget. Our team takes the time to explain your options clearly, so there are no surprises if you ever need to file a claim.
Protect Your Ride and Your Peace of Mind
Recreational vehicle insurance allows you to enjoy every ride, project, or adventure knowing you’re properly protected. Contact Aaron Smith Insurance Group today to explore recreational vehicle insurance options tailored to your lifestyle and equipment.
Comprehensive Protection for Your Recreational Vehicles and Outdoor Lifestyle
Insurance Designed for Adventure and Utility
Recreational vehicles offer freedom, convenience, and enjoyment—but they also come with risks that standard auto or homeowners insurance often doesn’t fully cover. Whether you own an ATV, Dirt Bike, Golf Cart, Autocycle, Compact Tractor, Segway, or E-bike, specialized recreational vehicle insurance helps protect your equipment, finances, and liability exposure in case of accidents, theft, or damage.
These vehicles are used in a wide range of environments, from trails and private property to roads and shared paths, making proper coverage essential.
Types of Recreational Vehicles Commonly Covered
Recreational vehicle insurance can be tailored to cover many different vehicle types, including:
ATVs and UTVs – For trail riding, hunting, and property use
Dirt Bikes – Designed for off-road performance and competition
Golf Carts – Used on courses, in neighborhoods, and on private property
Autocycles – Road-legal vehicles with unique handling and coverage needs
Compact Tractors – For small acreage, landscaping, and light work
Segways and E-Bikes – Increasingly popular for personal transportation and recreation
Each vehicle type has unique insurance requirements and risk factors.
Common Coverage Options
A recreational vehicle insurance policy may include:
Liability Coverage – Helps cover bodily injury or property damage to others
Collision Coverage – Pays for damage to your vehicle from an accident
Comprehensive Coverage – Protects against theft, fire, vandalism, and weather damage
Uninsured/Underinsured Motorist Coverage – Offers protection if you’re hit by an uninsured driver
Medical Payments Coverage – Helps with medical expenses after an accident
Optional coverages can include accessory coverage, trailer coverage, and roadside or towing assistance.
Why Choose Aaron Smith Insurance Group
At Aaron Smith Insurance Group, we understand that recreational vehicles are an investment in both fun and function. As an independent agency, we compare policies from multiple carriers to find coverage that fits your usage, storage, and budget. Our team takes the time to explain your options clearly, so there are no surprises if you ever need to file a claim.
Protect Your Ride and Your Peace of Mind
Recreational vehicle insurance allows you to enjoy every ride, project, or adventure knowing you’re properly protected. Contact Aaron Smith Insurance Group today to explore recreational vehicle insurance options tailored to your lifestyle and equipment.
Comprehensive Protection for Your Recreational Vehicles and Outdoor Lifestyle
Insurance Designed for Adventure and Utility
Recreational vehicles offer freedom, convenience, and enjoyment—but they also come with risks that standard auto or homeowners insurance often doesn’t fully cover. Whether you own an ATV, Dirt Bike, Golf Cart, Autocycle, Compact Tractor, Segway, or E-bike, specialized recreational vehicle insurance helps protect your equipment, finances, and liability exposure in case of accidents, theft, or damage.
These vehicles are used in a wide range of environments, from trails and private property to roads and shared paths, making proper coverage essential.
Types of Recreational Vehicles Commonly Covered
Recreational vehicle insurance can be tailored to cover many different vehicle types, including:
ATVs and UTVs – For trail riding, hunting, and property use
Dirt Bikes – Designed for off-road performance and competition
Golf Carts – Used on courses, in neighborhoods, and on private property
Autocycles – Road-legal vehicles with unique handling and coverage needs
Compact Tractors – For small acreage, landscaping, and light work
Segways and E-Bikes – Increasingly popular for personal transportation and recreation
Each vehicle type has unique insurance requirements and risk factors.
Common Coverage Options
A recreational vehicle insurance policy may include:
Liability Coverage – Helps cover bodily injury or property damage to others
Collision Coverage – Pays for damage to your vehicle from an accident
Comprehensive Coverage – Protects against theft, fire, vandalism, and weather damage
Uninsured/Underinsured Motorist Coverage – Offers protection if you’re hit by an uninsured driver
Medical Payments Coverage – Helps with medical expenses after an accident
Optional coverages can include accessory coverage, trailer coverage, and roadside or towing assistance.
Why Choose Aaron Smith Insurance Group
At Aaron Smith Insurance Group, we understand that recreational vehicles are an investment in both fun and function. As an independent agency, we compare policies from multiple carriers to find coverage that fits your usage, storage, and budget. Our team takes the time to explain your options clearly, so there are no surprises if you ever need to file a claim.
Protect Your Ride and Your Peace of Mind
Recreational vehicle insurance allows you to enjoy every ride, project, or adventure knowing you’re properly protected. Contact Aaron Smith Insurance Group today to explore recreational vehicle insurance options tailored to your lifestyle and equipment.
Our location
From Sioux Falls, South Dakota.
Serving your community.
At Aaron M. Smith Insurance Group, we understand that life is full of surprises, and we’re here to help you protect what matters most. We offer a variety of affordable insurance plans designed to provide peace of mind for individuals, families, and businesses. Let us help you secure the right coverage so you and your loved ones are prepared for the unexpected, no matter what comes your way.
Our location
From Sioux Falls, South Dakota.
Serving your community.
At Aaron M. Smith Insurance Group, we understand that life is full of surprises, and we’re here to help you protect what matters most. We offer a variety of affordable insurance plans designed to provide peace of mind for individuals, families, and businesses. Let us help you secure the right coverage so you and your loved ones are prepared for the unexpected, no matter what comes your way.
Our location
From Sioux Falls, South Dakota.
Serving your community.
At Aaron M. Smith Insurance Group, we understand that life is full of surprises, and we’re here to help you protect what matters most. We offer a variety of affordable insurance plans designed to provide peace of mind for individuals, families, and businesses. Let us help you secure the right coverage so you and your loved ones are prepared for the unexpected, no matter what comes your way.
Why Aaron Smith Insurance
Personalized Coverage
Tailor your car insurance policy to match your driving habits, vehicle type, and budget with flexible plans including liability, collision, and comprehensive protection, as our Sioux Falls advisors ensure optimal coverage against accidents, theft, or natural disasters for complete peace of mind on the road.
Competitive Rates
As an independent agency, we compare multiple leading insurers to deliver affordable premiums without sacrificing quality or service, incorporating discounts for safe driving, multi-policy bundling, or good credit to maximize savings while upholding strong protection for your vehicle and family.
Hassle-Free Claims
When facing an accident or damage, our dedicated team streamlines the claims process with immediate assistance and transparent communication, collaborating closely with insurers to achieve swift resolutions and reduce downtime so you can return to driving with the least possible disruption.
Local Expertise
Drawing on in-depth knowledge of Sioux Falls and regional driving conditions, we provide customized insurance solutions tackling local hazards like severe winters or rural roads, offering community-informed advice to fine-tune your policy for South Dakota's distinct challenges and regulations.
Why Aaron Smith Insurance
Personalized Coverage
Tailor your car insurance policy to match your driving habits, vehicle type, and budget with flexible plans including liability, collision, and comprehensive protection, as our Sioux Falls advisors ensure optimal coverage against accidents, theft, or natural disasters for complete peace of mind on the road.
Competitive Rates
As an independent agency, we compare multiple leading insurers to deliver affordable premiums without sacrificing quality or service, incorporating discounts for safe driving, multi-policy bundling, or good credit to maximize savings while upholding strong protection for your vehicle and family.
Hassle-Free Claims
When facing an accident or damage, our dedicated team streamlines the claims process with immediate assistance and transparent communication, collaborating closely with insurers to achieve swift resolutions and reduce downtime so you can return to driving with the least possible disruption.
Local Expertise
Drawing on in-depth knowledge of Sioux Falls and regional driving conditions, we provide customized insurance solutions tackling local hazards like severe winters or rural roads, offering community-informed advice to fine-tune your policy for South Dakota's distinct challenges and regulations.
Why Aaron Smith Insurance
Personalized Coverage
Tailor your car insurance policy to match your driving habits, vehicle type, and budget with flexible plans including liability, collision, and comprehensive protection, as our Sioux Falls advisors ensure optimal coverage against accidents, theft, or natural disasters for complete peace of mind on the road.
Competitive Rates
As an independent agency, we compare multiple leading insurers to deliver affordable premiums without sacrificing quality or service, incorporating discounts for safe driving, multi-policy bundling, or good credit to maximize savings while upholding strong protection for your vehicle and family.
Hassle-Free Claims
When facing an accident or damage, our dedicated team streamlines the claims process with immediate assistance and transparent communication, collaborating closely with insurers to achieve swift resolutions and reduce downtime so you can return to driving with the least possible disruption.
Local Expertise
Drawing on in-depth knowledge of Sioux Falls and regional driving conditions, we provide customized insurance solutions tackling local hazards like severe winters or rural roads, offering community-informed advice to fine-tune your policy for South Dakota's distinct challenges and regulations.
Testimonials
What clients have to say about Aaron Smith Insurance Group
Aaron and Audrey are so easy to work with! They are so personable and always have my best interests in mind! Highly recommend!!
Kari Peterson
AJ saved us money and gave us great customer service! He was knowledgeable and timely with his responses.
Janelle Aday
Audrey with the Aaron Smith Insurance Group was absolutely awesome to work with! She was on top of my requests, knowledgeable, and informative. She was diligent and had excellent communications and response times through my whole insurance experience!
Sara Carman
Working with Audrey was an absolute game-changer! As a first-time (solo) homebuyer navigating the process, I was overwhelmed by all the quotes and options. But Audrey swooped in, made everything incredibly easy, fast and stress-free.
Molly Vetter
Need some help?
We’re here to provide support and assistance.
Testimonials
What clients have to say about Aaron Smith Insurance Group
Aaron and Audrey are so easy to work with! They are so personable and always have my best interests in mind! Highly recommend!!
Kari Peterson
AJ saved us money and gave us great customer service! He was knowledgeable and timely with his responses.
Janelle Aday
Audrey with the Aaron Smith Insurance Group was absolutely awesome to work with! She was on top of my requests, knowledgeable, and informative. She was diligent and had excellent communications and response times through my whole insurance experience!
Sara Carman
Working with Audrey was an absolute game-changer! As a first-time (solo) homebuyer navigating the process, I was overwhelmed by all the quotes and options. But Audrey swooped in, made everything incredibly easy, fast and stress-free.
Molly Vetter
Need some help?
We’re here to provide support and assistance.
Testimonials
What clients have to say about Aaron Smith Insurance Group
Aaron and Audrey are so easy to work with! They are so personable and always have my best interests in mind! Highly recommend!!
Kari Peterson
AJ saved us money and gave us great customer service! He was knowledgeable and timely with his responses.
Janelle Aday
Need some help?
We’re here to provide support and assistance.