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The Basics

Whether you have a big, luxurious motorhome or a small pop-up trailer, when it’s time for your vacation, you don’t need to stress about your coverage. Motorized RVs need coverage the same way your car does, RV insurance includes collision coverage, comprehensive coverage and liability coverage, but goes further to protect your personal effects, upgrades and travel. Towable campers and fifth-wheel trailers have fewer requirements, but should have liability coverage as well.

Collision coverage

Regardless of fault, collision coverage applies to damage incurred from striking vehicles or objects or being struck by other vehicles. In the event of a total loss, there are several pay-out options, ranging from actual cash value to full replacement costs.

Comprehensive coverage

Comprehensive coverage protects your car from uncontrollable events. Coverage includes windshield damage, vandalism, fire, accidents with animals, falling trees and natural disasters.

Liability

Coverage for damage to other vehicles, property and medical expenses for other drivers, passengers or pedestrians when you are at fault. Talk to your agent about an Umbrella Policy to protect yourself against costs that exceed your policy limits.

Uninsured or underinsured motorist coverage

With 1 in 8 drivers uninsured, it is important to protect yourself from any additional risk. With the right coverage, you won’t be left on the hook for any unpaid bills, even if the driver at-fault is uninsured, or if their coverage limit is reached.

Additional coverage options

Discover additional coverage options to ensure that all of your individual insurance requirements are covered.

  • Full-Timer coverage

    Do you use your RV more than half the year? The right policy may include some aspects of homeowner’s insurance.

  • Lay-Up periods

    Alternatively, if you’re done for the season, you may be able to save money while keeping your motorhome protected.

  • Custom equipment protection

    Get help 24/7 with a flat tire, dead battery or more. Policies vary by carrier, but your agent will be able to tell you more about how you’re covered.

  • Traveling coverage

    Going to Mexico or elsewhere abroad? Ask about how to find coverage for your big adventure.

  • GAP Insurance

    If your motorhome is financed, GAP Insurance can cover the difference between the pay-out amount and your outstanding balance.

  • Road-side assistance

    Get help 24/7 with a flat tire, dead battery or more. Policies vary by carrier, but your agent will be able to tell you more about how you’re covered.

You could save up to 20% on your insurance by bundling

Save with a multi-policy discount when combining auto, home, renters and condo insurance.