Recreational Vehicle (RV) Insurance

Coverage designed for life on the road — whether your RV is a weekend escape or a second home.

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More Than a Vehicle — It’s a Living Space

RVs combine the risks of auto insurance and homeowners coverage.

Motorhomes and trailers represent a significant investment, often equipped with appliances, electronics, and personal belongings. Standard auto or homeowners policies typically do not provide the protection an RV requires. Specialized RV insurance helps protect the structure, contents, and liability exposures unique to life on the road.

Full-Time & Seasonal RV Owners

Coverage for RVs used as primary or secondary residences.

Weekend & Vacation Travelers

Protection for occasional use and recreational travel.

Towable RV Owners

Specialized coverage beyond auto or homeowners policies.

RV Types & Insurance Considerations

Coverage varies based on how your RV is built and used.

Motorhomes (Coach RVs)

Drivable RVs that function as both a vehicle and a living space, often requiring enhanced coverage for appliances, electronics, and personal property.

Fifth Wheels

Towable RVs that require separate coverage from your truck. These units are not covered under standard auto or homeowners policies.

Travel Trailers

Coverage considerations include campsite liability, specialty towing, and protection for contents and attached equipment.

Common RV Insurance Coverages

Protection for people, property, and your investment.

Bodily Injury & Property Damage

Coverage for injuries or property damage caused by RV-related accidents for which you are legally responsible.

Uninsured / Underinsured Motorist

Protection if you’re injured by another driver with insufficient or no coverage.

Medical Payments

Helps pay medical expenses after an accident, regardless of fault.

Comprehensive Coverage

Covers damage from theft, fire, vandalism, weather events, and animal collisions.

Collision Coverage

Pays for damage caused by contact with another vehicle or object, including rollovers.

Towing & Roadside Assistance

Optional coverage for towing, breakdowns, and roadside emergencies.

Why RV Insurance Needs to Be Specialized

One-size-fits-all policies leave gaps.

  • RVs are often excluded from homeowners policies
  • Towable RVs are not fully covered by auto insurance
  • Personal belongings may require added protection
  • Use, size, and residency affect coverage needs

Get RV Coverage That Travels With You

Simple steps to protect your RV and your lifestyle.

1

Tell Us About Your RV

Type, size, and how you use it.

2

Review Coverage Options

Vehicle, contents, and liability protection.

3

Hit the Road Confidently

With coverage designed for RV living.