Recreational Vehicle Insurance

Typically liability for injuries and damage you cause, collision and comprehensive damage to the RV, and options like personal effects, vacation liability, roadside assistance and emergency expenses if a breakdown leaves you away from home. What applies depends on the type of RV and how you use it.

Often, yes. When you tow a trailer, liability on the road usually comes from the tow vehicle's auto policy, but damage to the trailer itself and your belongings inside it generally is not covered there. A policy for the trailer covers those, plus liability while it is parked at a campsite.

It is coverage for people who live in their RV for most or all of the year. Because the RV is the household's home, full-timer coverage adds personal liability and medical payments similar to a homeowners policy, and often more coverage for belongings. Tell us if the RV is your primary residence so the policy matches.

On a newer RV, total loss replacement pays for a new RV of similar make and model if yours is totaled within a set period, rather than its depreciated value. Eligibility usually depends on the RV's age and whether you are its first owner, and the terms vary by policy. For an older RV, agreed value or actual cash value is the usual choice.

It covers injuries and damage when the RV is parked and used as your temporary home, for example if a guest trips on your campsite steps. Your auto policy is written for driving, so this gap is easy to miss. Full-timers usually need the broader full-timer liability instead.

Usually, if you keep comprehensive coverage in place during storage. It protects against theft, fire and weather damage while the RV is parked. Some policies let you reduce driving coverages during a defined storage period, which lowers the premium. Confirm the change before anyone drives it again.

Engine and generator failure, tire wear and gradual deterioration are maintenance, not insured losses.

A policy written for trips does not fit an RV that is your home. Full-time use needs full-timer coverage, which adds protection closer to a homeowners policy.

Renting the RV out, directly or through a sharing platform, is generally excluded on a personal RV policy unless specifically arranged.

Using the RV to earn money, such as hauling for hire, is generally outside a personal RV policy.

We offer coverage in the states where we are licensed. Begin a quote with the address of your business or risk, and we'll let you know which markets can write that location before you spend much time on the questions.

Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.