Recreational Vehicle Insurance in West Des Moines and Waukee, IA

Keeping Adventurers covered in West Des Moines and Waukee, IA

Owning and operating a recreational vehicle can fun and liberating.  They come with risks however, and these risks are as numerous as the kinds of vehicles one can own and the experiences one has using a vehicle.  For this reason, one needs protection of some kind.  Insurance provides this protection and at The James Bellman Agency we have a recreational vehicle insurance program that completely protects for the right price.


Whether you ride a motorcycle, ATV, or WaveRunner, or drive a mobile home (RV), we can help you stay secure.

Coverage Customized to your Needs

Recreational vehicle insurance, like auto insurance, has broad and general coverages that apply to almost all riders and drivers, and it also has specific coverages that apply only to individual riders and drivers.  For this reason, it is not one-size-fits-all and certainly cannot be developed without attention to detail.  At James Bellman Insurance we tailor your recreational vehicle insurance plan to your individual needs and arrange the coverages in this plan optimally.  This way there are no gaps in your coverage and you get the most possible value out of your plan.


Recreational vehicle insurance depends on a number of factors, including vehicles insured, vehicle uses, geographic locations, and others.  We examine all factors that affect your insurance and ensure that they are matched with appropriate coverage options.  Our options include:

  • Boat Insurance
  • Motorcycle Insurance
  • Motorhome Insurance
  • ATV Insurance
  • Snowmobile Insurance
  • Collision
  • Other-than-Collision
  • Specialized ATV Insurance
  • Liability
  • Medical Payments
  • Safety Apparel
  • Optional Equipment
  • Transport Trailers

Like most insurance, reimbursement value is decided when a recreational vehicle policy is purchased.  An agent from James Bellman Insurance will help you select the right value.  He or she will also help you establish limits and deductibles that are most appropriate.  Iowa has minimum coverage standards for recreational vehicle insurance policies as well as its own laws and regulations regarding vehicle registration.  Your agent will ensure that your policy adheres to these standards and regulations, and this will keep you covered and will ensure that your plan has the greatest possible value.

Working with James Bellman Insurance

Our agents have insured recreational vehicle owners and operators for decades and know markets and the needs of residents in Central Iowa.  We work with different insurance carriers to ensure that our coverages are diverse and flexible and that our clients have a variety of choices.  We consult with clients and work collaboratively with clients to ensure that insurance plans are protective and that clients pay for only what they need.


In addition to providing products and services, we manage risk and claims.  Managing risk helps reduce the exposures that clients face and diminishes the likelihood that exposures will result in damages.  Managing claims enables us to advocate for clients and help clients achieve satisfactory resolutions if and when claims are filed.  


To learn more or to speak with an agent, please contact us or give us a call.  You can request a quote also to get started on a policy.  


The James Bellman Agency is proud to provide recreational vehicle insurance in West Des Moines, Waukee, Urbandale, Clive, Des Moines, and Indianola, IA.  We serve other areas in the state and we also serve Arizona.  

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James Bellman Agency

5550 Wild Rose Ln, Suite 400

West Des Moines, IA 50266

Main office: 515-393-6731

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.