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recreational vehicle insurance

.Enjoy your freedom on

land or by water.

We've got you covered



When it's time to play, make sure your toys are protected. We've got coverages to protect all of your toys.

Motorsports Insurance

Insurance for your ATV, Dirt Bike, Golf Cart, Snowmobile, and more

There’s no shortage of ways to get outside in Pennsylvania. Whether you’re hitting the trail, the links, or just the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected.

The Eric L. Ash Insurance Agency can help you get the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you get focus on having fun.


Are your off-road toys covered? Contact our team today to talk about:

  • ATV (All-terrain vehicle) insurance

  • Dirt bike insurance

  • Dune buggy insurance

  • Golf cart insurance

  • Snowmobile insurance

  • Any other motorsports insurance


Not Sure You Need ATV, Golf Cart, Snowmobile, or other Motorsports Insurance?

Most specialized vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property. What’s more, many national, state, or other public parks in Pennsylvania require specialty vehicle riders to be properly insured.


Want to keep your Snowmobile, Dirt Bike, ATV, Golf Cart & other Motorsports Insurance costs down?

Several factors can affect the cost of insuring a specialty vehicle. So what can you can keep your rates low?

Be safe. If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.

Choose your vehicle carefully. Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure.


Own More Than One. With many carriers you can receive a discount if you insure more than one specialty vehicle on your policy.


Good Coverage. Great Times

Every specialty vehicle policy is unique, but the following is a quick rundown of the some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies:

  • Collision coverage – pays for covered damage to your vehicle when in a collision with another vehicle or other object.

  • Property damage liability coverage – insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.

  • Bodily injury liability coverage – insures you against certain damages if you injure or kill someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.

  • Comprehensive physical damage coverage – pays for covered losses resulting from incidents other than collision - like fire, theft, or vandalism.


Let us help make sure you’re covered when you hit the trail – talk to us today to find out how to get the best price and value on the motorsports insurance that’s right for you.

**Bundle your toys with your auto and home insurance and save even more  $$$** 

RV Coverage

RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer. Here at the Eric L. Ash Insurance Agency, let us help you select the right coverage for your RV needs and get a great price at the same time. Call us today at 412-238-7414 to get your free insurance quote.

Pennsylvania - Here are some things to consider when shopping for recreational vehicle insurance:


  • RVs that are for personal, recreational use can be insured for up to 250 days per year.  This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.

  • Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.

  • You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:

    • Stated Value - market value/actual cash value of the RV

    • Agreed Value – the insured amount, regardless of the current market value

    • Replacement Cost – we will replace your insured RV with a new RV that is most like it

  • Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.

  • Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected. 

  • Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.  

  • Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.

  • Other additional coverage can include: Accident forgiveness, pet coverage, diminishing deductible, and more.

  • Discounts can lower your premium. Ask us at the Eric L. Ash Agency whether you qualify for safe driver discounts, original owner discounts, package discounts and more. 

  • You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars and boats.  It will also simplify your life.


The Eric L. Ash Insurance Agency is independently owned and locally operated to handle your insurance needs. We focus on Belle Vernon, Bethel Park, Elizabeth, Finleyville,  Irwin, Jefferson Hills North Huntingdon, Pittsburgh, Pleasant Hills, South Park, Venetia and offer affordable and reliable insurance choices all across Pennsylvania.  Call for a quote today at 412-238-7414.


The Eric L. Ash Insurance Agency can help make your time on the water relaxed and worry-free! We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment.

Pennsylvania – Do you know what to look for in a watercraft insurance policy? The Eric L. Ash Agency can help you determine the right amount of coverage to meet your specific needs. Just give us a call today at the Eric L. Ash Agency to get started. Here are some items you’ll need to consider when shopping for boat insurance in Pennsylvania.

  • Navigational Area:
    Know where you are covered in the water. Some companies, such as Safeco Insurance, offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.


  • Agreed Value Coverage:

      Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat        that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it        for, minus any deductible.

  • Liability

      Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the         

      event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of          someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating            accident for which you are at-fault.

  • Medical Payments

      Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This          coverage is available from $500 to $10,000 and covers you, your passengers, and even your water           

      skiers/tubers, regardless of who is at-fault.

  • Physical Damage Coverage

      Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently          attached equipment, and your trailer, if it is stolen or damaged.

  • Uninsured/Underinsured Watercraft Bodily Injury

      Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an          uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost          wages, and other costs associated with the accident.

  • Fuel Spill Liability and Wreckage Removal

      Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water.          As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and         


  • Personal Effects

      Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones,           

      scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state – check with for        information. Personal effects coverage does not include jewelry, watches or furs.

  • Unattached Equipment Coverage

      This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft,          but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors,        oars, fire extinguishers, tarps etc.

  • Emergency Assistance

      The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned       

      battery if the watercraft is disabled while on the water.

Every need is unique contact the Eric L. Ash Insurance Agency today to find out how to get the best boat and watercraft insurance coverage for you.


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