Recreational Vehicle Insurance

Boats, ATVs, personal watercraft, and other recreational vehicles represent a significant investment — and a significant source of enjoyment for Knoxville families and East Tennessee outdoor enthusiasts. But standard auto and homeowners policies often fall short when it comes to protecting these vehicles, leaving owners exposed to gaps in coverage they don’t discover until it’s too late.

Bob Johnson Insurance has been helping Knox County residents find the right recreational vehicle coverage since 1964. As an independent agency, we work with multiple carriers to find policies that fit the way you actually use your vehicles — whether that’s weekend boating on the Tennessee River, ATV adventures in the Smoky Mountains, or year-round watercraft ownership.

This section covers everything recreational vehicle owners in Knoxville need to know — from understanding what your boat or ATV policy actually covers and why off-season insurance matters, to getting your vehicles ready for spring and properly winterizing them at the end of the season. Whether you’re insuring your first boat or reviewing coverage on a fleet of outdoor toys, you’ll find practical guidance written specifically for East Tennessee recreational vehicle owners.