Motorcycle, Boat & RV
Insurance in indiana

Insurance in indiana

Malhotra & Assoc. Insurance Has You Covered

Buying Recreation Insurance in Indiana

As an independent recreation insurance expert in Indiana, our team can help you find the best RV, boat, or motorcycle coverage there is. We take a balanced approach to finding recreation insurance that is both affordable and comprehensive. Whatever type of vehicle you are driving, be it only for recreational use or perhaps more regularly; we will help you find the best insurance at the right price.

As an Independent Insurance Agency, we will create a tailored package that suits your individual needs and budget. We offer affordable prices and friendly personalized service for any recreational insurance needs.

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Indiana Recreation insurance

Frequently Asked Questions

We’ve taken the liberty of answering some of the most frequently asked recreation insurance questions here, but if you don’t see the question and answer you need, please get in touch with a member of our team.

Does Auto Insurance Cover an RV?

If we’re talking about an RV trailer, then in some cases, you might find that your auto insurance will give you an element of liability coverage. However, for damages to your own RV, you will need to buy an RV insurance policy that is not part of your auto coverage.

Will My RV Insurance Cover Additional Drivers?

In Indiana, your RV insurance policy might not cover non-named additional drivers by default. This depends entirely on the policy you originally purchased and whether or not it is included with your existing RV insurance terms. So, if you hire or loan your RV to another person, you will need to check what your coverage is for. Some of the best Indiana RV insurance policies will give you coverage for family members, and you can add named drivers to your policy as well. So, it’s always a good idea to speak with the insurance company directly to check what is included.

Get RV Insurance with Malhotra & Assoc. Insurance Today

Working with top carriers, Malhotra & Assoc. Insurance can help you properly insure your Indiana RV. Give us a call today or visit us at one of our locations!

Why Insure Your RV with Malhotra & Assoc. ?

Owning an RV is truly something special. Aside from the dollar-value amount, it can become a source of joy and pleasure for your entire family. We know the importance of making sure you have the best insurance for your individual needs. Our friendly team is here to help you navigate the myriad of choices you have and can quickly help you establish the best type of coverage for your RV.

Whatever type of RV you want to buy insurance for, we will help make the process as easy as we can. Our professional team of independent insurance agents works hard to offer a personalized service that cannot be beaten. We take the time to fully understand the type of insurance you need to protect your RV, and we work hard to find the best prices for RV insurance in Indiana.

From coverage for collisions, storm damage, or theft, you need to make sure you’ve got everything covered. After all, you want to be able to go wherever you please, without having to worry about insurance or damage that could be caused to your vehicle.

As an experienced RV insurance agency in Indiana, we are your local RV policy experts.

Our team of experienced insurance professionals are experienced in finding the best RV coverage for our customers, and we look forward to helping you find the best RV insurance policy.

What is Covered By an RV Insurance Policy?

Will my RV Insurance cover additional drivers?

There are many types of RV insurance policies available in Indiana. On top of comprehensive coverage, there are additional options you may need to consider. Not all of the options you see online are relevant to your vehicle, and this is why talking with a local RV insurance expert can help you save time and money.

If you buy comprehensive insurance for your RV, it will typically include the following:


Comprehensive Coverage

This provides you with financial compensation if a covered event occurs. It could be vandalism, theft, wind, smoke, fire, lightning, windstorms, or more. Essentially it is damage caused by something that is not a collision, but there are different covered events that change from one insurer to the next. If you want comprehensive coverage for your RV, then speak with a member of the team to find out what is included before you buy any RV insurance online.


Collision Coverage

As you would expect, this relates to damage that is caused by a collision with an object or another vehicle.


Liability Coverage

Another essential type of insurance for your RV in Indiana is liability coverage. This can help cover the costs for any claims made relating to property damage or personal injury to a third-party.


Medical Payments

This is designed to help pay for medical expenses for the driver and/or any passengers in the event of an accident. It is usually always provided on a no-fault basis.


Uninsured/Underinsured Motorist

This is something you will be accustomed to seeing when you buy auto insurance. Essentially, it’s the same type of coverage that helps with incidents that involved drivers who are either underinsured or who do not carry any insurance.

There are lots of options to choose from, and we understand that it can be a little daunting when you try and do everything yourself online. If you want to get guidance or you’ve got questions about buying RV insurance, then speak to a member of our team today. We’re always happy to help in any way we can.

If you prefer, you can submit a few details quickly using this quote form, and a member of the team will get started on your RV insurance quote immediately.

What’s Included in a Boat Insurance Policy in Indiana?


Although boat insurance is not state-mandated in Indiana, it makes sense to protect your investment, and buying coverage for a boat could cost less than you think. If you buy full coverage insurance for your boat in Indiana, you will find it typically includes to following:

Physical Damage to Your Boat

Comprehensive and collision coverages can protect your boat against a range of physical damages. This may include damage caused by weather, boating incidents, theft, vandalism, fire, and more. Most claims for damages to a boat will be subject to a policy deductible. 

It’s also important to choose carefully between agreed amount value coverage and actual cash value coverage. The specific type of coverage you choose will determine your premiums and your pay out value should you damage your boat. 

Liability Coverage for Your Boat

If you are found to be at-fault for an accident that causes injury to a third-party or property damage, then a victim could take legal action against you. Liability coverage will help to cover the cost of legal fees along with any settlement payments. 

Another type of liability insurance you might also wish to consider is pollution liability coverage. This will cover your financial responsibilities in the event of a fuel spillage. 

Medical Payments Coverage

This works much the same way as it would with any other type of coverage you buy. Following an accident, regardless of who was at fault, medical payments coverage can help to cover the cost of necessary medical expenses up to the limits of your policy. This is not liability coverage, but it is designed to give immediate cash to cover immediate medical care needs. 

Uninsured or Underinsured Boat Coverage

This also works the same way as it would with an auto policy. It gives you the ability to pursue compensation from your own insurance company for any covered losses if you are injured, or your property is damaged by an underinsured or uninsured boater. 

Wreckage Removal Coverage

This will give you coverage in the event you need to remove a wreckage or its debris from the water. It can help with covering some or all of the costs. 

Emergency and Towing Assistance

This works just like roadside assistance, but on the water. Whether you need a tow back to shore or a fuel delivery, this will give you coverage for that. 

Trailer Damage

If you have a trailer, then this could sustain damages in an accident. If your trailer needs to be replaced or repaired, then you would need to add coverage for this. 

If you’re looking to buy Indiana boat insurance, it’s important you speak with a local insurance agency first. We can help you answer questions about your coverage, and we understand the risks you face locally and away from home. 

We will help you obtain quotes from the best boat insurers in Indiana, and our friendly team will ensure you get access to any relevant discounts should they be available. 

If you prefer, you can submit a few details quickly using this quote form, and a member of the team will get started on your boat insurance quote immediately. 

What’s Included in an Indiana Motorcycle Insurance Policy?

There are several types of motorcycle insurance offered by different Indiana motorcycle insurers. Here, we outline the various elements of coverage you can buy. 

Comprehensive and Collision Coverage

Whatever the make and model of your bike, the chances are you’ve paid money that you cannot afford to lose. Paying out to replace or repair a motorcycle is costly. With collision and comprehensive coverage, you can help cover these costs in the event of an accident or damage by fire, theft, specific weather events, vandalism, and more.

All claims of this nature will be subject to your usual policy deductible but you can work with your insurer to set this at an amount that works for your individual financial situation.  

Liability Coverage for Your Motorcycle

This part of your insurance coverage is state-mandated and used to pay out for bodily injury or property damage liability. It could also help with legal expenses if a third-party takes action against you. 

For motorcycle riders, it’s important to talk with a local insurance agent about the right level of coverage to buy. The state-mandated levels might not be enough as settlements, and court judgments could cost more from just a single accident. It makes sense to try and reduce the risk of any out-of-pocket expenses, and our friendly team can discuss these options with you while working through motorcycle insurance quotes to cover a range of coverage levels. 

Underinsured and Uninsured Coverage 

This works the same way as with any other insurance coverage and essentially gives you protection in the event you are involved in an accident with another person who is not insured or who does not have enough coverage in place to cover the total expenses related to an accident. It also provides coverage in the event of a hit-and-run incident if you are injured or suffer a loss. 

Coverage for Special Equipment 

This is designed to protect after-market upgrades to your motorcycle along with a list of other enhancements, such as customized features. You will need to discuss the value and individual elements that require coverage under this option. 

Coverage for OEM Parts

Should your motorcycle sustain damage that requires repair, this element of coverage ensures your parts are replaced with authentic manufacturer parts instead of generic or after-market parts.  

Medical Payments Coverage

The risks of injury from riding a motorcycle are often greater than compared with driving a regular automobile. If either yourself or your passenger is injured, having med-pay coverage can help you cover the immediate medical expenses, irrespective of who was at-fault for the incident. 

Rental Car Coverage

In the event your bike needs a repair following an accident, rental reimbursement coverage can help to pay for temporary transportation, as long as this is needed following a covered event. 

Towing and Roadside Coverage

This works exactly the same as a regular auto insurance policy, and whether you have a flat tire, a dead battery, or another mechanical issue, having access to 24/7 emergency assistance at the roadside can give you the peace of mind you need to enjoy your travels. This option could also include coverage that helps you get towed to the nearest body repair shop or mechanic.  

Many factors will impact the cost of your Indiana motorcycle insurance. The value of your bike, the type of motorcycle you drive, how often you drive, your driving record, and more. At Malhotra & Assoc. Insurance, we can help you work through your options and give you a range of quotes based on different levels of coverage. 

If you prefer, you can submit a few details quickly using this quote form, and a member of the team will get started on your motorcycle insurance quote immediately. 

More Frequently Asked Questions about Indiana RV Insurance

What Types of RVs Can We Insure?

Whether you plan to tow or drive an RV, as your local RV insurance experts in Indiana, we can provide a tailored quote for all of the following types of vehicles. 

  • Class A, B & C Motorhomes
  • Pop-up Campers
  • Conventional Trailers
  • Cargo or Horse Trailers
  • Utility Trailers
  • Converted RVs
  • Fifth-Wheel Trailers
  • Truck Campers

How is the Cost of Indiana RV Insurance Worked Out?

Many factors will affect the cost of RV insurance. These include:

  • State requirements
  • Coverage levels
  • Deductibles
  • Liability limits
  • RV Value
  • Driving Record
  • Purpose of the coverage

How Much Insurance Do You Need for an RV?

One of the biggest influencers of cost is the value of your RV. When choosing how much RV insurance to buy, you’ll need to get enough to cover the cost of a replacement vehicle. There are also state minimums to consider.

In Indiana, RV owners must carry enough insurance for the below scenarios:

  • $25,000 in bodily injury or death of one person
  • $50,000 in bodily injury or death of two people per accident
  • $25,000 in property damage liability

If you’re simply looking to find out the cost of buying Indiana RV insurance or you want to make sure you are looking at the right type of coverage, then we can help.

We make it quick and easy to find out the cost of insuring your RV and help you know what the additional options are and if they’re relevant for your intended use.

Contact Us Today for an Indiana Recreation Insurance Quote

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