RV & Motorcycle Insurance
Protect your motorcycle or RV, whether you ride seasonally, travel full-time, or anything in between.
What Does RV & Motorcycle Insurance Cover?
Whether you're hitting the open road on two wheels or heading out for a weekend in your RV, the right coverage protects you, your passengers, and your investment. As an independent agency, we compare options across multiple carriers to find the right fit for your vehicle, riding or travel habits, and budget.
Coverage typically includes for motorcycles:
- Liability coverage — pays for injuries or property damage you cause to others in an at-fault accident
- Collision coverage — repairs or replaces your motorcycle after a crash, regardless of fault
- Comprehensive coverage — protects against theft, vandalism, weather damage, or hitting an animal
- Custom parts and equipment coverage — protects upgrades like custom paint, exhaust systems, or accessories
- Uninsured/underinsured motorist — protects you when the other driver doesn't have adequate coverage
- Medical payments — covers injuries to you and your passenger after an accident
Coverage typically includes for RVs:
- Liability coverage — covers injuries or damage you cause to others while driving or parked
- Collision and comprehensive coverage — repairs or replaces your RV after an accident, theft, or weather event
- Full-timer coverage — for those who live in their RV full-time, offering protection similar to a homeowners policy
- Personal belongings coverage — protects items inside your RV, like electronics and clothing
- Vacation liability — covers injuries to guests if your RV is parked and used as a temporary residence
- Roadside assistance and emergency expense coverage — helps with towing, lodging, or transportation if your RV breaks down away from home
Why Choose an Independent Insurance Agency in Iowa?
Unlike captive agents who represent one company, Skogman Insurance is an independent agency — which means we work for you, not the carrier. We shop your coverage across multiple top-rated insurance companies to make sure you're getting the best protection at the most competitive rate.
Since 1965, we've served Cedar Rapids, Iowa City, Coralville, and communities across Eastern Iowa. Whether you ride seasonally or travel for months at a time, our agents help you find coverage built around how you actually use your motorcycle or RV.
Iowa-Specific RV & Motorcycle Insurance Considerations
Iowa's weather and rental market create risks that make the right coverage essential, whether you're protecting your belongings or your property. From severe storms and flooding to harsh winters that strain plumbing and roofing, unexpected events can be costly without the right policy in place.
Our agents help Iowa riders and RV owners evaluate:
- Seasonal/lay-up coverage — reduced rates for motorcycles or RVs stored during the off-season
- Agreed value vs. actual cash value — especially important for RVs and custom motorcycles
- Towing and trip interruption coverage — protection if you break down far from home
- Multi-vehicle and bundling discounts — combining coverage with auto or home insurance often lowers your premium
- Coverage for attached equipment — trailers, generators, or towed vehicles used with your RV
Quote request
We’ll help you plan for the unexpected with insurance coverage that’s just right for you.
