Personal Insurance

RV & Motorhome Insurance — Home on the Road, Covered on Every Mile

An RV is both a vehicle and a home — standard auto and homeowners policies don't cover it properly. Dedicated RV insurance provides the protection you need whether you're a weekend camper or a full-time traveler.

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What RV Insurance Covers

RV insurance combines elements of auto and homeowners insurance into one policy designed specifically for recreational vehicles.

Collision & Comprehensive

Covers physical damage to your RV from accidents and from fire, theft, vandalism, hail, and other non-collision events. Required by lenders.

RV Liability

Covers bodily injury and property damage you cause to others while driving. Required in most states.

Personal Property / Belongings

Covers your belongings inside the RV — clothing, electronics, kitchen equipment, outdoor gear — whether damaged in an accident or stolen.

Total Loss Replacement

For newer RVs, some policies offer replacement cost or agreed value — paying to replace with a comparable model rather than the depreciated value.

Vacation Liability

Covers you when your RV is parked and being used as a temporary residence — similar to homeowners liability for campsite situations.

Emergency Expense Allowance

If your RV is damaged far from home, pays for hotel and meal costs while it's being repaired.

RV and motorhome coverage across all classes

We write RV insurance for Class A, B, and C motorhomes, fifth wheels, travel trailers, camper vans, and pop-up campers — with access to specialty RV carriers.

Types of RVs we cover

  • Class A motorhomes (large coach-style)
  • Class B motorhomes (camper vans)
  • Class C motorhomes (cab-over design)
  • Fifth wheels
  • Travel trailers
  • Toy haulers
  • Pop-up and folding campers
  • Truck campers

Full-Timer vs. Part-Timer Coverage

How you use your RV significantly affects what coverage you need.

Part-Time RV Use

If you use your RV seasonally or for occasional trips, a standard recreational vehicle policy typically works well.

  • Standard RV policy structure
  • Storage discounts during off-season
  • Liability during travel and at campsite
  • Personal property for belongings inside

Full-Time RV Living

If your RV is your primary residence, you need full-timer coverage — which functions more like homeowners insurance.

  • Full-timer liability (replaces homeowners)
  • Higher personal property limits
  • Loss of use / additional living expenses
  • May substitute for homeowners policy

Common Questions

  • Your auto insurance covers liability while towing a trailer in most cases, but does not cover the RV itself — its structure, contents, or the liability specific to camping and living in the RV.

  • Homeowners policies may provide very limited coverage for personal property inside, but do not cover physical damage to the RV or RV-specific liability. A dedicated RV policy is needed.

  • Full-timer coverage is designed for people who live in their RV as a primary residence. It functions more like a homeowners policy — providing higher personal property limits, full-time liability coverage, and loss of use coverage.

  • Most policies allow you to reduce coverage during storage months to save premium, while comprehensive (theft, fire, hail) typically remains active. Notify your carrier when your RV goes into and out of storage.

  • Your RV policy covers the RV. Your personal auto policy covers the tow vehicle. Liability for accidents while towing typically falls under your auto policy — but confirm the specifics with us.

Hit the road with the right coverage.

Whether you're a weekend camper or a full-time traveler, we'll find the right RV insurance for your rig and lifestyle.

Get an RV Quote Talk to an Advisor