Protect Your RV & Road Trips for Less
Safeguard your motorhome, camper, or travel trailer with specialized coverage. Compare top RV insurance carriers side-by-side to get full protection on and off the road.
Why You Need Specialized RV Insurance
An RV isn’t just a vehicle—it’s a home on wheels. Standard auto policies don’t cover the unique risks that come with RVing, like campsite liability, personal belongings inside the rig, or full-time living protection.
Whether you own a Class A motorhome, a fifth wheel, or a light travel trailer, our independent agents build customized policies that protect your rig, gear, and family wherever the road leads.
Essential RV Coverage Options
Explore specialized protections designed specifically for motorhomes, campers, and travel trailers.
Vacation Liability
Provides liability coverage while your RV is parked at a campsite or RV park, protecting you if a guest is injured in or around your rig.
Personal Effects Coverage
Safeguards personal items inside your RV—like electronics, clothing, camping gear, and appliances—against theft, fire, or damage.
Total Loss Replacement
If your new RV is totaled in a covered accident, this coverage replaces it with a brand-new, current-model-year RV rather than paying depreciated value.
Full-Timer’s Coverage
Crucial protection if your RV is your primary residence, combining homeowners-style liability, medical payments, and personal property coverage.
24/7 RV Roadside Assistance
Specialized towing for heavy motorhomes and trailers, flat tire changes, battery jump-starts, lockout assistance, and fuel delivery.
Emergency Vacation Expense
Pays for hotel stays, transportation, and meal expenses if your RV breaks down or suffers a covered loss while traveling far from home.
Frequently Asked Questions
Can’t I just insure my RV under my standard auto policy?
An auto policy only provides basic liability and collision coverage. It won’t cover campsite liability, personal belongings inside the rig, attached awnings, or emergency living expenses if your RV becomes uninhabitable.
What is the difference between Recreational and Full-Timer coverage?
Recreational policies are designed for vacationers who travel part-time. Full-timer coverage acts like a homeowners policy for people who live in their RV 6+ months out of the year, offering higher liability limits and personal loss protection.
Is my travel trailer covered by my tow vehicle’s insurance?
Your truck’s auto policy may extend basic liability while towing, but it will NOT cover physical damage to the trailer itself, theft of personal contents, or campsite liability when unhitched.
Ready to Protect Your RV Adventure?
Fill out our quick form above to compare personalized RV insurance options today.