Why You Need Motorhome / RV Insurance
A motorhome represents a significant investment — often $100,000 or more. Whether you're crossing the country or parked at a campsite, you need coverage that protects the vehicle, your belongings inside, and your liability wherever you go. Standard auto policies exclude most RV-specific risks.
What RV Insurance Covers
- Collision and comprehensive coverage for your RV
- Liability protection on the road
- Personal belongings and equipment inside the RV
- Vacation liability while parked at campsites
- Emergency expense coverage if your RV breaks down
- Full-timer coverage if you live in your RV year-round
- Roadside assistance and towing
Types of RVs We Insure
- Class A motorhomes (large coach-style)
- Class B motorhomes (camper vans)
- Class C motorhomes (cab-over design)
- Travel trailers and fifth wheels
- Pop-up and tent campers
- Toy haulers
Special Coverage Options
- Total loss replacement for newer RVs
- Agreed value coverage vs. actual cash value
- Full-timer liability (similar to homeowners)
- Coverage for expensive attached accessories
- Mexico coverage for those crossing the border
Frequently Asked Questions
Do I need special insurance for my RV or can I use my auto policy?
You need a dedicated RV policy. Auto insurance does not adequately cover motorhomes, especially for vacation liability, personal belongings, or full-time living situations.
What is full-timer RV insurance?
Full-timer coverage is designed for people who live in their RV year-round. It adds liability coverage similar to homeowners insurance and broader personal property protection.
Is my RV covered when it's parked in storage?
Comprehensive coverage protects your RV in storage from theft, fire, and weather. Make sure your policy doesn't lapse while it's stored.