Recreational Insurance That Covers the Way You Play
Flexible Protection for RVs, ATVs & More in Germantown, MD and the DMV
Your recreational vehicles bring freedom, fun, and adventure — and they deserve protection that’s as flexible as your weekend plans. At CF Alliance, we offer specialized coverage for RVs, ATVs, travel trailers, and more, helping Maryland residents protect what moves them, both on- and off-road. Whether you’re headed to the mountains or the shore, our local agents make it easy to insure your lifestyle.
What Your Policy Should Cover
Liability Coverage
Covers injuries or property damage you may cause to others while using your recreational vehicle — whether on the road, trail, or at a campsite. It protects you financially if an accident leads to a lawsuit or medical expenses.
Collision Coverage
Pays to repair or replace your recreational vehicle if it's damaged in an accident with another vehicle or object. It's essential if you want coverage for off-road or on-road collisions.
Comprehensive Coverage
Protects your RV, ATV, or other recreational vehicle against non-collision events like theft, fire, vandalism, or weather damage. This coverage is especially important when storing your vehicle for the season.
Medical Payments Coverage
Helps pay for medical expenses if you or your passengers are injured in an accident involving your recreational vehicle. It applies regardless of who’s at fault.
Personal Belongings Coverage
Covers gear, electronics, and personal property stored inside your vehicle — from camping supplies to tech devices. This protects against theft or damage during trips or while parked.
Towing & Emergency Assistance
Provides roadside help if your recreational vehicle breaks down due to mechanical failure, flat tires, or other common issues. It ensures you're not stranded far from home.
Add‑Ons That Matter
Vacation Liability Coverage
Covers you if someone is injured at your campsite or while your RV is parked for use as a temporary residence.
Full-Timer Coverage
Designed for RV owners who use their motorhome as a primary residence — provides more robust protection than a standard RV policy.
Custom Parts & Equipment Coverage
Protects enhancements like solar panels, awnings, satellite systems, and aftermarket upgrades not covered under base policies.
Why It Matters
Because Adventure Shouldn’t Come With Unexpected Risk
From weekend getaways to cross-country trips, your recreational vehicles deserve protection that’s more than an afterthought. At CF Alliance, we help you find the right balance between freedom and security — so you can enjoy the open road (or trail) without worrying about what-ifs.
What You Need to Know
What types of recreational vehicles do you cover?
We insure RVs, campers, trailers, ATVs, UTVs, dirt bikes, golf carts, and more. Ask us if you don’t see yours listed.
Do I need RV insurance year-round?
Yes — even if stored part of the year, your RV still needs protection from theft, fire, weather damage, or liability issues.
Can I bundle my RV or ATV insurance with my home or auto?
Absolutely — bundling can simplify your policies and save you money.
Is vacation liability included in every RV policy?
Not always. We’ll review your usage and recommend add-ons like vacation liability if needed.
Does my homeowners policy cover my ATV or trailer?
Typically not — recreational vehicles require their own specialized policies to ensure proper protection.
Let’s Protect the Way You Play
You’ve worked hard to enjoy the outdoors — now let’s make sure it’s covered. CF Alliance helps you insure your fun with coverage that fits your lifestyle, your budget, and your adventures.