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RV & Motorcycle Insurance

MetLife Auto & Home® insurance keeps your adventures covered, so all you have to worry about is having fun.

Motorcycle & RV insurance policies can protect your recreational vehicle, whether you’re riding through snow or sand dunes.

  • MetLife Auto & Home RV insurance covers a wide variety of recreational vehicles: 
    • Motorcycles & dirt bikes
    • Scooters, golf carts, segways
    • Campers & trailers
    • ATVs (all-terrain vehicles) & snowmobiles
    • Even trailers and sheds.1
  • All policies include bodily injury liability coverage, property damage liability, and uninsured/underinsured motorist coverage.2
  • Other RV insurance coverage includes help for medical payments, emergency first aid costs, towing and roadside assistance, and legal defense costs.3
  • Customize your policy to protect extra equipment such as motor home contents, chrome handlebars, sidecars, ATV trailers, snowmobile sleds and more.

I need to learn more about RV and motorcycle insurance.

FAQs

What types of RV insurance do you offer? Collapsed Expanded

We offer a wide variety of coverage options, including:

  • Liability coverage, which covers you if you or a family member are ever found legally responsible for an injury or property damage involving your RV.
  • Medical payments coverage provides payment for injuries if you, your family members, or your passengers ever get into an accident.
  • Uninsured/underinsured motorists coverage ensures that if you get into an accident with someone who doesn’t have insurance coverage (or doesn’t have enough), you’ll be covered through your own policy.
  • Physical damage coverage covers you if your RV gets damaged from being outside for things like falling tree branches, fire, theft, vandalism, and more. It can include your RV’s accessories, too, like special handlebars and sidecars.
  • Replacement cost coverage takes care of out of pocket costs for special parts like tires, brakes, batteries and shocks, with no deduction for depreciation.4
  • Legal defense costs, which covers you if you’re ever sued. We also reimburse up to $250/day if you ever have to attend a hearing or trial at our request.
Are trailers covered in my policy? Collapsed Expanded

We do have optional trailer coverage, which you can add onto your policy. This offers the same broad physical damage coverage to protect any trailers you own and use to transport your motorcycle, snowmobile, or other recreational vehicle.

Are there coverage suspensions or lay up periods? Collapsed Expanded

No. Once your policy goes into effect, coverage stays with you 24/7/365.

What types of RV insurance discounts does MetLife Auto & Home offer? Collapsed Expanded

Our multi-policy discount lets you save more when you have two or more policies, including RV, boat, auto, and home insurance. Check out our Bundle and Save page for more details.

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1 Not all benefits available in all states or for all types of vehicles. Coverage is subject to policy terms and conditions and applicable law.

2 Guest passenger liability is included within the bodily injury and property damage liability coverages. Guest passenger liability covers: injuries, damages, and legal expenses incurred by or due to someone riding on or using your vehicle with your permission. Refer to the applicable policy for coverage details, conditions and exclusions. Underinsured/uninsured motorist coverage is not available in all states or for all types of vehicles.

3 Medical payment benefits not available in all states or for all types of vehicles. Towing and roadside assistance not available for vehicles designed primarily for off road use, such as ATVs, snowmobiles, golf carts, a Segway®, non-registered dirt bikes, nor scooters.

4 See policy for restrictions. A deductible may apply. Does not apply to leased, substitute, or non-owned automobiles. This coverage does not apply to theft of tires or batteries unless the entire vehicle is stolen. Not available in all states.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Fire & Casualty Company, Economy Premier Assurance Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, discounts, and policy features vary by state and product, are available in most states to those who qualify.

Like most insurance policies, MetLife Auto & Home's policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete costs and details, see your MetLife Auto & Home representative.

CALL: 1-800-METLIFE