RV Insurance

RV owners love to take to the highway and traveling is more than just a means to get from point ‘A’ to point ‘B’—for many the journey means as much as the destination.

What Makes RV Insurance Unique?

RV Insurance is like two policies in one: it protects your vehicle like car insurance and it also protects your living area like home insurance.

Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability and other disasters.

Who Needs RV Insurance?

There are several classes of recreational vehicles and they each need special insurance:

  • Class A covers RVs built like large commercial buses. This kind of motor home is complete and contains everything you need. Some of these homes are very expensive, costing up to a few hundred thousand dollars.
  • Class B vehicles resemble vans, but have taller ceilings so you can stand up inside. They also have a longer wheelbase to accommodate the weight and additional room they provide.
  • Class C vehicles are large vehicles made from trucks or vans.
  • Fifth-wheel trailers are like larger homes on wheels specifically made for pulling down the highway and used for overnight camping or long-term use.
  • Toy haulers - vehicles that typically fully contain ‘toys’ such as snowmobiles and dirt bikes.
  • Horse trailers (especially those with sleeper units)
  • Pop up campers - can be collapsed for easy storage and transport.

What Kind of RV Insurance Do You Need?

Standard insurance policy coverage will depend on your RV. Units that are motorized need the same kind of coverage as your car, like liability, comprehensive, and collision.

Trailer RVs will need insurance coverage for damage, both on and off the road.

Optional Coverages for Your RV Insurance Policy

When you insure your RV, you might want to consider these important options:

  • Insurance for full-time RVers
  • 24 hour roadside assistance
  • Trip Interruption
  • Total loss coverage
  • RV contents coverage

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

There’s no such thing as a one-size-fits-all insurance policy.  While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.

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