Coverage That Travels with You: Full‑Timers • Campers • Explorers
Protect your RV with insurance coverage.
Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. RV insurance can help make owning a recreational vehicle a safe and rewarding experience.
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Liability Coverage
Risk Factor
Much like cars and trucks, RVs encounter many risks while out on the road. At-fault accidents can be particularly troublesome due to the large size of the vehicle.
Solution
Liability coverage can help cover costs from at-fault accidents, such as damage to other vehicles or medical bills resulting from the accident.
Collision Coverage
Risk Factor
Impacts such as accidents involving other vehicles, trees, parking structures, or more can cause major damage to the body of your RV.
Solution
Collision is a part of Physical Damage coverage that helps with costs from impacts or collisions with other vehicles or objects.
Comprehensive Coverage
Risk Factor
Driving on highways, country roads, and campsites all have their risks and hazards. Theft, fire, vandalism, and even damage from animals can cause major losses.
Solution
The Comprehensive part of Physical Damage coverage exists for just these reasons. It helps protect you from non-collision damages and losses when you’re out exploring the world.
Medical Payments
Risk Factor
Accidents can hurt more than your RV. Injuries to you or guests along for the ride can lead to serious medical expenses.
Solution
Medical payments coverage can help ease the burden of medical costs resulting from a covered claim.
Personal Property Coverage
Risk Factor
You take more than just the clothes on your back when you’re out in your RV. An accident can damage your belongings inside just as much as it can the outside.
Solution
Personal Property coverage makes sure you have protection for the items, gear, and belongings that are in the RV that may be damaged in a covered accident.
Uninsured & Underinsured Motorist Coverage
Risk Factor
Not everyone has enough insurance to cover the damage they may cause in an accident, especially to a high-value vehicle like an RV.
Solution
Uninsured & Underinsured Motorist coverage helps you cover the gap that may exist between how much coverage an at-fault driver may have and how much damage they caused to you and your RV.
Go beyond what auto insurance can provide for your RV.
At first glance, you might think covering a recreational vehicle (or RV) is just like getting ordinary auto insurance, but the freedom of the RV and motorhome lifestyle brings a few extra potential headaches that make this specialized policy worthwhile. Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. RV insurance can help make owning a recreational vehicle a safe and rewarding experience.
What Does RV Insurance Cover?
Your coverage can vary depending on the type of RV, where you travel, and your driving history. But unlike basic auto policies, RV insurance is built to protect what makes RVing special:
Whether you’re parked under the pines at Monte Sano or cruising the open highway, the right policy gives you confidence and coverage that moves with you. Here are some coverages worth considering.
- Large Windshield & Body Repair
- Attached Accessories
- Personal Belongings
- Replacement Cost
- Towing/Roadside Assistance
- Uninsured/Underinsured Motorists
- Vacation Liability
- Emergency Travel Experiences
Policy Options That Help You Stay Prepared
Life on the road is full of surprises—and the right RV insurance helps you handle the unexpected with confidence. While most insurance policies have limits on individual items, RV coverage often includes specific allowances for commonly damaged components like awnings, gas bottles, and other attached accessories, which can be costly to replace.
It’s also worth considering coverage that helps keep your trip on track, like rental car reimbursement or temporary lodging, in case your RV is put out of commission during your travels. These extras can turn a major disruption into a manageable detour.
Have Questions About RV Insurance?
We’re here to help. Whether you use your RV for weekend getaways or full-time travel, our local team will walk you through the coverage options that make the most sense for your lifestyle.
Let’s Get Started
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