For the long road trips and the short rides to the clubhouse.
Your RV and golf cart carry the best parts of life. Specialty coverage makes sure they’re protected the way you actually use them — on the highway, at the campsite and around the neighborhood.
- Motorhomes, travel trailers and fifth wheels — including what you keep inside
- Golf carts and low-speed vehicles, at the course, the lake or on community streets
- Coverage built around your season, your trips and your storage
Get a quick quote
Tell us what you drive — we’ll handle the fine print.
Prefer to talk? Call (256) 864-9411.
Home is wherever you park it
An RV is part vehicle, part home. Your coverage should be both.
Collision & comprehensive
Protection for your rig against accidents, theft, hail, falling trees, fire and other covered losses.
Personal belongings
Coverage for the gear, electronics and comforts you bring along — the things that make it feel like home.
Vacation liability
Liability protection while your RV is parked and used as a campsite, so a guest’s mishap doesn’t derail the trip.
Roadside & trip help
Options for towing, emergency expenses and help getting back on the road when a breakdown strikes far from home.
Your golf cart isn’t just for golf anymore.
Neighborhood runs, lake-community cruising, the kids’ favorite ride to the pool — carts get used everywhere. And your homeowners policy may cover little or nothing once you leave your own property.
- Physical damage from accidents, theft, vandalism and storms
- Liability if someone is injured or property is damaged
- Coverage for upgrades — lift kits, custom seats, lights and stereos
- Options for street-legal low-speed vehicles (LSVs)
Why specialty coverage matters
“Turns out the campground has a very low branch.”
Comprehensive and collision coverage can help repair your RV after the road (or the scenery) gets the better of it.
“Grandpa took the corner a little too fast.”
When a cart ride ends with an injury or a dented neighbor’s mailbox, liability coverage can step in.
“The cart was right there in the driveway last night.”
Golf carts are popular with thieves. Theft coverage helps you get back on the path.
Examples are illustrative. Coverage depends on your policy, limits and the cause of loss.
What our clients say
Oscar was very patient and thorough with me, I had a lot of questions!
Helped us till we figured out the best plan for us.
Excellent service, I’ve been with them for 4 years and they’ve always helped me 100% with my policies.
Simple, from hello to covered
Tell us what you drive
Make, model and how you use it — full-timer, weekender, lake cart or neighborhood cruiser.
Review your options
Sady explains each coverage in plain English so you only pay for what you’ll actually use.
Hit the road
Once you’re covered, enjoy the trip — and you’ll have a real person to call if something happens.
The things that matter beyond home & auto
One agent for all the coverage your standard policies tend to leave out.
Hi, I’m Sady.
“People, Protection, Possibilities.”
Insurance is really about people — the life you’ve built and the plans you’re still making. My job is to understand both, then make sure the right coverage is quietly in place behind them.
For more than 20 years I’ve helped families and businesses across Alabama, Tennessee, Georgia & Texas — from our offices in Huntsville, Decatur and Arab. I’d rather spend ten extra minutes explaining your options than have you guess at fine print. When something does go wrong, you’ll have my number — not a ticket in a queue.
— Sady Zayas-Visser
Frequently asked
Does my auto policy cover my RV or travel trailer?
Your auto policy may extend some liability to a towed trailer, but physical damage to the trailer and its contents usually needs its own coverage. Motorhomes generally need a dedicated RV policy.
Does my homeowners policy cover my golf cart?
Homeowners policies often provide very limited coverage, and typically little or none once the cart leaves your property or is used on public roads. A dedicated golf cart policy closes those gaps.
I’m a full-time RVer. Is that different?
Yes. Full-timers often need coverage closer to a homeowners policy, including broader liability and personal property protection. Let us know and we’ll build around that.
Can I lower my cost during the off-season?
Depending on your policy, you may be able to adjust coverage while your RV or cart is in storage. We’ll go over the options with you.
What about my golf cart upgrades?
Custom parts and accessories like lift kits, wheels, seats and audio can often be covered. Tell us about your upgrades when you request a quote.
Is my street-legal LSV treated differently?
Often, yes. Street-legal low-speed vehicles can have different requirements than standard golf carts. We’ll make sure you have what your state requires.
Let’s make every trip a worry-free one.
Tell us about your RV, golf cart or both, and we’ll put together options that fit the way you ride. Never any pressure.
Start your free quote
Takes about a minute. Sady will follow up personally.
Prefer to talk? Call (256) 864-9411.