Recreational Vehicle Insurance in Hattiesburg, MS
Cover Your Toys. Protect Your Freedom.
From weekend getaways in the RV to off-road thrills on your ATV or relaxing days on the lake, your recreational vehicles aren’t just property — they’re your lifestyle. At The Howlett Insurance Agency, we help outdoor enthusiasts across Hattiesburg, Lamar County, Forrest County, and beyond protect their adventures with the right coverage at the right price.
What Does Recreational Vehicle Insurance Cover?
Recreational vehicle (RV) insurance covers a broad range of vehicles and risks — from motorhomes and boats to travel trailers and Jet Skis. The exact coverage depends on how you use your vehicle, but typical protections include:
Collision Coverage
Pays for repairs to your RV, ATV, boat, or trailer if it’s damaged in a covered accident.
Comprehensive Coverage
Covers damage or loss from events like theft, hail, fire, vandalism, or falling objects — even while parked or stored.
Liability Coverage
Required for many types of recreational vehicles driven on public roads or waterways. Protects you financially if you cause injury or property damage.
Uninsured/Underinsured Motorist Coverage
Helps cover your costs if you’re hit by someone with too little (or no) insurance.
Personal Effects Coverage
Covers gear, electronics, and other valuables stored in your RV, trailer, or watercraft.
Towing & Roadside Assistance
Available for many vehicle types — including help with breakdowns, flat tires, and emergency towing.
Own multiple recreational vehicles? Ask us about bundling options to save more and streamline your coverage.
Why Hattiesburg Adventure-Seekers Trust Us
We live and work in South Mississippi — so we know the trails, backroads, and lakes you love. Here’s why Howlett Insurance Agency is the go-to for RV, boat, and ATV coverage:
Local Outdoor Expertise
We understand what Mississippi riders, campers, and boaters truly need — not just cookie-cutter policies.
Custom Coverage by Vehicle Type
Whether you drive a Class A motorhome, a side-by-side ATV, or tow a bass boat, we tailor protection that fits your lifestyle.
Independent Advantage
We represent multiple top-rated insurers — so you get competitive quotes and flexible coverage options.
Claims Support You Can Count On
Accidents and breakdowns don’t always happen 9 to 5. We’re here to help — with real people and real answers.
Frequently Asked Questions (RV & Recreational Insurance – Mississippi)
What vehicles need recreational insurance in Mississippi?
RVs, campers, ATVs, UTVs, boats, personal watercraft (Jet Skis), and motorcycles often require separate insurance policies. We’ll guide you based on how you use your vehicle.
Is insurance required for RVs, ATVs, or boats?
Yes — if it’s motorized and driven on public roads or waterways, you’re legally required to carry at least liability coverage. We’ll make sure you’re compliant and protected.
Should I insure a parked or stored RV?
Absolutely. Fire, theft, weather damage, or vandalism can still occur — even off-season. Comprehensive protection ensures you're covered year-round.
Can I bundle multiple recreational vehicles under one policy?
In most cases, yes — bundling can simplify your coverage and offer valuable savings.
What if I only use my RV or boat during certain seasons?
We offer seasonal and usage-based policies so you’re only paying for coverage when you actually need it.
Coverage That Moves With You
Whether you’re cruising the coast, trailering through Mississippi’s backroads, or anchoring on a quiet lake, we’ll make sure your vehicle — and your peace of mind — are protected.