RV Insurance
Protect your home on wheels and your adventures on the road. Comprehensive RV insurance coverage for motorhomes, travel trailers, fifth wheels, and campers.
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Protect your home on wheels
Your RV is more than just a vehicle — it's your home away from home, your adventure companion, and a significant investment. Whether you own a motorhome, travel trailer, fifth wheel, or camper, specialized RV insurance provides protection that goes far beyond standard auto coverage.
RV insurance covers your vehicle, your personal belongings inside, emergency expenses if you're stranded, and even liability protection when your RV is parked and being used as a temporary residence. For full-timers who live in their RV year-round, comprehensive coverage ensures you're protected wherever the road takes you.
Understanding RV insurance coverage types
RV insurance combines vehicle coverage with protection for your living space and belongings. Here's how the major coverage types work together:
Basic Coverage
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Medical Payments
Essential Protection
Basic RV coverage protects your vehicle from accidents and damage, similar to auto insurance. Good for occasional recreational use and weekend trips.
Full Coverage Protection
- Personal Effects Coverage
- Vacation Liability
- Roadside Assistance & Towing
- Total Loss Replacement
Complete RV Protection
Full-timer coverage treats your RV as a home — protecting your belongings, covering emergency lodging if stranded, and providing liability when parked. Perfect for those who live in their RV full-time.
Important: The type of RV you own — motorhome, travel trailer, fifth wheel, or camper — affects your coverage needs. We'll help you build the right protection plan for your specific RV and how you use it.
What does RV insurance cover?
Liability Coverage
Protects you financially if you cause injury to others or damage their property while operating your RV. Covers both bodily injury and property damage. Essential protection whether you're driving or parked at a campsite.
Collision Coverage
Pays to repair or replace your RV if it's damaged in a collision — regardless of who's at fault. Critical protection for your significant investment in your motorhome or travel trailer.
Comprehensive Coverage
Covers damage to your RV from non-collision events — theft, vandalism, fire, weather damage, falling objects, and animal strikes. Protects your home on wheels from unexpected perils on the road or in storage.
Personal Effects Coverage
Protects your personal belongings inside your RV — clothing, electronics, camping gear, and other possessions. Similar to contents coverage in homeowners insurance, tailored for life on the road.
Vacation Liability
Covers liability claims when your RV is parked and being used as a temporary vacation residence. Protects you if someone is injured at your campsite or if you cause damage to the campground facilities.
Roadside Assistance & Towing
Specialized RV roadside assistance and towing coverage. Because RVs require heavy-duty towing and specialized service, standard auto roadside assistance often isn't enough. Get the coverage you need for your RV.
Common questions about RV insurance
What types of RVs can be insured?
We can insure all types of RVs including Class A, B, and C motorhomes, travel trailers, fifth wheels, truck campers, and toy haulers. Each type of RV has unique coverage needs — motorhomes require auto-style coverage since they're self-propelled, while travel trailers and fifth wheels are typically covered as towable recreational vehicles.
Do I need special insurance if I live in my RV full-time?
Yes! If you live in your RV full-time, you need full-timer coverage. This specialized policy provides liability protection similar to homeowners insurance when your RV is parked and being used as your primary residence. It also typically includes higher limits for personal effects coverage to protect all your belongings.
What's the difference between RV insurance and auto insurance?
While RV insurance includes similar coverages to auto insurance (liability, collision, comprehensive), it also covers unique RV needs: personal effects inside the RV, vacation liability when parked, emergency expense coverage for lodging if stranded, and specialized roadside assistance for heavy vehicles. RV insurance recognizes that your RV is both a vehicle and a living space.
Does RV insurance cover my personal belongings inside?
Basic RV insurance typically includes limited coverage for personal effects, but you may want to add personal effects coverage for full protection. This covers your clothing, electronics, camping gear, and other belongings inside your RV — similar to contents coverage in homeowners insurance. Coverage limits vary, so we'll help you choose the right amount based on what you carry in your RV.
Is roadside assistance included in RV insurance?
Roadside assistance is typically available as an optional coverage for RVs. Because RVs require heavy-duty towing and specialized service, standard auto roadside assistance often isn't adequate. RV-specific roadside assistance covers towing for large vehicles, fuel delivery, flat tire service, and emergency repairs tailored to the unique needs of RV owners.
Can I get coverage while my RV is in storage?
Yes! If you store your RV during the off-season, you can often adjust your coverage to comprehensive-only (sometimes called storage coverage) to save money while still protecting against theft, vandalism, fire, and weather damage. When you take it out of storage, you simply restore full coverage. We can help you manage seasonal coverage changes.
RV insurance carriers we work with
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We compare rates from multiple carriers to find the right RV coverage at a competitive price. No pressure, no jargon — just clear options tailored to your RV and how you use it.