Protect Your Home on Wheels with Expert RV Insurance
Trusted by RV Enthusiasts Since 1992
Our specialized RV insurance team brings decades of experience protecting everything from pop-ups to luxury Class A motorhomes. We understand the unique risks of motorhome ownership.
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RV Insurance: Your Vehicle's Shield Against the Unexpected
Nobody plans to use their insurance, but when the unexpected happens on the road or at camp, you'll be grateful for proper protection.
Campsite Mishap
While backing into a tight campsite, Ted misjudged the clearance and clipped a water hookup post, damaging his travel trailer's exterior panel and plumbing. With comprehensive coverage, the $2,800 repair bill was covered after his deductible. Without it, this minor accident would have significantly impacted his vacation budget and timeline. The claim was processed quickly, allowing Ted to get back on the road with minimal delay.
Unexpected Hail Storm
Madison and her family were visiting relatives when a severe storm rolled through. Golf ball-sized hail caused over $14,000 in damage to their motorhome's roof and exterior. With their comprehensive coverage, they were only responsible for their $1,000 deductible. The insurance coverage even included emergency lodging expenses while waiting for repairs, allowing them to continue their vacation despite the setback.
Total Loss Recovery
The Johnson family's fifth wheel was parked at a storage facility when a fire broke out in an adjacent building, spreading to destroy several RVs including theirs. Their specialized RV policy included replacement cost coverage, which meant they received enough to purchase a comparable new model rather than just the depreciated value. Additionally, their personal effects coverage compensated them for the camping gear stored inside, providing comprehensive financial protection during a stressful situation.
Build Your Perfect Protection Package
Smart Coverage Decisions for Your RV Lifestyle
The right RV insurance strategy depends on how you use your vehicle, where you travel, and what type of motorhome or trailer you own.
Occasional RV User
Weekend warriors and vacation travelers need balanced protection that activates when your RV leaves storage. Focus on solid liability coverage while parked at campgrounds, comprehensive protection for weather events, and emergency expense coverage for trip interruption. Since your RV sits unused most of the year, ask about storage or lay-up discounts that can reduce premiums during off-seasons.
Smart moves include installing anti-theft devices, maintaining safe driving records, and exploring suspension options during extended storage periods. Consider whether your personal auto policy adequately covers transportation to and from your storage location.
Extended Travelers
Spending months on the road requires more robust coverage than occasional users. Your priorities should include higher liability limits, full replacement cost coverage, and comprehensive personal effects protection. Since your RV serves as a temporary residence, consider vacation liability coverage that functions similar to homeowners insurance while at campsites.
The smart approach includes bundling with your home insurance, maintaining emergency funds for higher deductibles to lower premiums, and documenting belongings traveling with you for accurate personal property coverage. Roadside assistance with extensive towing benefits is essential given your extended time away from home.
Full-Time RV Resident
When your RV is your primary residence, your insurance needs closely resemble homeowners coverage combined with auto protection. You'll need specialized full-timer liability, maximum personal effects coverage, and the highest available replacement cost options. Since you don't have another home to return to, emergency expense coverage becomes essential to pay for alternative accommodations during repairs.
Critical considerations include scheduled personal property coverage for valuable items, extended service plans beyond manufacturer warranties, and liability umbrella policies that protect your assets from campground incidents. Many carriers offer specific full-timer packages designed for this lifestyle with combined coverages not available in standard policies.
The 3-Question Coverage Framework
Ask yourself these three questions for every coverage option:
1. How do you use your RV?
Usage patterns dramatically affect coverage needs and costs. Weekend warriors can save with storage/lay-up discounts, while full-timers need comprehensive residence-type protection. Be honest about how many days your RV is actually used versus stored each year, as this significantly impacts appropriate coverage types and potential premium savings.
2. What type of RV do you own?
Vehicle classification determines both risk and coverage requirements. Class A motorhomes might require $1,200-$3,000 annually for full coverage, while travel trailers often range from $380-$750. Fifth wheels, pop-ups, truck campers, and van conversions each present unique insurance considerations based on value, usage, and how they're transported or driven.
3. What would a catastrophic loss mean for you?
Consider your financial ability to replace your RV if it's destroyed. Can you absorb a $50,000-$300,000 loss, depending on your RV type? If not, replacement cost coverage becomes essential despite higher premiums. Also consider the impact of losing all the personal belongings kept in your RV and whether you need additional personal effects coverage beyond standard limits.
🚩 Red Flags: When "Basic" RV Insurance Falls Short 🚩
Only Having Liability on a Financed RV: Lenders require physical damage coverage. Without it, you're violating your loan agreement and risking repossession even if you've never had an accident.
Relying on Auto Insurance for Towables: While your auto policy may cover liability while towing, it typically won't cover damage to the trailer itself or personal belongings inside. Separate RV insurance is essential for comprehensive protection.
Ignoring Full Replacement Cost: Standard policies pay actual cash value (depreciated value) after a total loss. On a 5-year-old Class A motorhome, this could mean receiving $60,000 less than replacement cost.
Forgetting Vacation Liability: When parked and being used as a residence, standard auto liability doesn't apply. Without vacation liability coverage, you're unprotected against claims from injuries at your campsite.
Inadequate Personal Effects Coverage: Standard policies may limit personal property coverage to $1,000-$3,000, while many RVers travel with $10,000+ in electronics, sporting equipment, and furnishings.
Understanding the Economics of RV Protection
Your RV insurance premium represents a small fraction of your vehicle's value while providing protection against potentially devastating financial losses.
Cost Comparisons
Total Loss of Class A Motorhome:
With replacement cost coverage: $1,000-$2,000 (your deductible)
Without proper coverage: $150,000-$300,000+ (full replacement cost)
Major Hail Damage:
With comprehensive coverage: $500-$1,000 (your deductible)
Self-insured: $3,500-$18,000 (typical repair costs)
Liability Claim at Campground:
With vacation liability: $0 (insurance covers legal defense and damages)
Without coverage: $25,000-$500,000+ (legal fees and potential judgment)
The Real World
68% of RV owners choose full coverage despite it not being mandatory for non-motorized RVs, recognizing the significant financial risk of inadequate protection.
$1,200-$3,000 - Average annual premium for Class A motorhomes with full coverage. That's less than $250/month to protect a vehicle worth $150,000-$500,000+.
$380-$750 - Typical annual premium for travel trailers and fifth wheels, providing comprehensive protection for the average family's second-largest asset after their home.
22% increase in policy lapse incidents occur during winter storage months when owners incorrectly suspend coverages, leaving their RVs vulnerable to theft, fire, and weather damage.
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