Recreational Vehicle Insurance


Protection for Your Home Away from Home

We’ll help make sure you're properly covered so the vacation you’ve been dreaming about doesn’t come with worry.

Is RV insurance necessary?

While you can partially cover your RV with an existing auto policy, we don't recommend it. RV insurance policies are specially tailored to meet an RV user's unique needs, covering many possibilities auto policies can't. Those who live in their RV will find full-timer's insurance policies especially useful. 

What are the benefits of RV insurance?

Your RV offers much more than a standard car and therefore deserves specialized coverage. It's a home away from home, packed with amenities and valuable possessions.

Just think of all the situations you might encounter in your RV — situations generally not covered under a car insurance policy:

  • Clothes, camping equipment, and personal valuables are lost or stolen from your RV
  • Someone is hurt in or near your RV
  • Your RV is damaged on the road, and you need a place to stay and a way to get there

When you insure your RV with its own unique policy, you can select a wide range of coverages designed to address these situations and more.

An RV covered under your auto policy will have only basic liability coverage, which leaves you financially vulnerable. Plus, you won't have any of the following coverages:

  • Total loss recovery/agreed value
  • Emergency expense
  • Vacation liability
  • Personal effect replacement
  • Full-timers package
  • Roadside assistance

What types of recreational vehicles can I insure?

RV insurance covers many types of recreational vehicles, including:

  • Motor homes, including classes A, B, and C
  • Professional and non-professional bus conversions
  • Motor coaches
  • Camper vans

Whether you vacation at the helm of an Allegro Bus or prefer to explore the great outdoors in the comfort of a camper van, we can help you find the right coverage.

How is an RV different from a travel trailer?

RVs, or motor homes, are recreational vehicles that provide a comfortable living space suitable for long- or short-term residence. Travel trailers, on the other hand, are portable, non-motorized units ideal for recreational and camping use. You don't need a special permit to tow a travel trailer.