Recreational Vehicle Insurance
RV Insurance is specialized coverage designed to protect motorhomes, travel trailers, fifth wheels, and campers. Whether you're parked at a campsite or cruising down the highway, this coverage combines the elements of auto insurance and homeowners insurance to safeguard both the vehicle and the living space inside. No matter if you use your RV for weekend getaways or full-time living, RV insurance helps protect your investment and provides peace of mind wherever the road of life takes you.
Why do you need it?
Standard auto insurance doesn’t provide enough protection for recreational vehicles. RVs are more than just a mode of transportation, they’re mobile homes with built-in appliances, personal belongings, and special liability risks. Without the right coverage, a single accident or storm could lead to costly repairs, lost valuables, or unexpected out-of-pocket expenses. RV insurance ensures that both the vehicle and your way of life are covered on the road and at rest.
What does it cover?
RV Insurance policies can be tailored to your vehicle type and usage, but commonly include:
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Liability Coverage – Protects you if you're responsible for injuries or property damage.
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Collision Coverage – Covers damage from a crash, regardless of who is at fault.
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Comprehensive Coverage – Protects against non-collision risks like theft, fire, vandalism, or weather damage.
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Personal Belongings Coverage – Reimburses you for the contents inside the RV, like electronics, kitchenware, or camping gear.
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Vacation Liability – Provides liability coverage when your RV is parked and being used as a temporary residence.
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Full-Timer Coverage – For those who live in their RV year-round; similar to homeowners insurance for mobile living.
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Roadside Assistance – Towing, fuel delivery, flat tire service, and more tailored for RV needs.
Coverage can be customized based on how often and how far you travel, and whether you live in your RV full-time or use it seasonally.