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Concierge Insurance. From Start to Claim.
Whether you use your recreational vehicle for fun or as a full time residence the best RV insurance coverage protects your unique needs. Quote RV insurance online and, in as little as three minutes, we'll help you build a custom policy that covers your motorhome or travel trailer in almost any situation. Get started now and hit the road with confidence.
Getting the best rate or the right insurance coverage for your RV is much easier than changing a flat tire. Keep these tips in mind before you start your quote:
Look up your RV's value: Knowing your RV's value helps determine how much coverage you need. Sites like NADA.com are good reference points for researching your RV's current worth.Pick the coverages that fit your needs: For example, if you travel with expensive items like a laptop or camera, consider personal effects to protect against damage to your belongings.Remember safety first: Clean driving can help lower your RV insurance costs.
Get a quote for your motorhome or travel trailer today and see how much you'll save while getting the coverage you need.
RV insurance helps protect your recreational vehicle from a variety of covered risks, including collisions, theft, vandalism, fire, storms, and liability claims if you're responsible for injuring someone or damaging their property. Depending on the policy you choose, RV insurance may also include comprehensive coverage, uninsured and underinsured motorist protection, medical payments, roadside assistance, vacation liability, and coverage for your personal belongings.
Because motorhomes and travel trailers are often used as both vehicles and temporary residences, RV insurance can provide broader protection than a standard auto insurance policy.
If your RV is a motorhome that is driven on public roads, Virginia requires you to carry liability insurance that meets the state's minimum insurance requirements. If your RV is financed, your lender will typically require collision and comprehensive coverage as well.
Towable RVs such as travel trailers and fifth wheels generally do not require separate liability insurance while being towed, but physical damage coverage is highly recommended to protect your investment.
RV insurance is available for many types of recreational vehicles, including Class A, Class B, and Class C motorhomes, travel trailers, fifth wheels, toy haulers, pop-up campers, truck campers, teardrop trailers, and camper vans.
Your insurance agent can help you choose coverage that matches the type of RV you own and how you use it throughout the year.
Yes. Many RV insurance policies include coverage for personal belongings kept inside your recreational vehicle, such as clothing, camping equipment, electronics, cookware, bicycles, and outdoor furniture. Coverage limits vary depending on the insurance company and policy you purchase.
If you regularly travel with valuable items, additional coverage may be available to better protect your personal property.
Vacation liability coverage helps protect you if someone is injured or their property is damaged while your RV is parked and being used as a temporary residence. For example, if a guest slips and falls at your campsite, vacation liability coverage may help pay for covered injuries or legal expenses.
This valuable coverage is one of the features that distinguishes many RV insurance policies from standard auto insurance.
Not always. If you live in your RV year-round or use it as your primary residence, you may need a specialized full-time RV insurance policy. These policies often include additional protections similar to homeowners insurance, such as increased personal liability coverage and enhanced personal property protection.
If you're a full-time RVer, be sure to let your insurance agent know so your policy can be tailored to your lifestyle.
Several factors influence your RV insurance premium, including the type and value of your RV, your driving history, age, annual mileage, storage location, claims history, coverage limits, deductible, and how often you use the vehicle.
Safe driving, secure storage, bundling insurance policies, and choosing an appropriate deductible may help reduce your insurance costs.
Many insurance companies offer optional roadside assistance coverage for recreational vehicles. This may include towing, tire changes, battery service, lockout assistance, fuel delivery, and emergency roadside repairs if your RV becomes disabled during your travels.
Because towing a large RV can be expensive, many owners find roadside assistance to be a valuable addition to their insurance policy.
Yes. Comprehensive coverage generally protects your RV against damage caused by events such as hail, windstorms, falling trees, lightning, fire, theft, and vandalism. Coverage is subject to your deductible and the terms of your insurance policy.
Keeping your RV properly maintained and storing it in a protected location when not in use may help reduce the risk of weather-related damage.
You should review your RV insurance at least once each year and whenever significant changes occur. Purchasing a new RV, making custom upgrades, changing how often you travel, converting to full-time RV living, or purchasing expensive camping equipment may all affect your insurance needs.
An annual insurance review helps ensure your recreational vehicle remains properly protected while identifying opportunities for additional coverage or available discounts.
