RV & Motorhome Insurance
Your Home on the Road. Protected.
An RV is part vehicle, part home — and a standard auto policy won’t protect either one properly. We build specialized coverage for how you actually live and travel.
Why It Matters
Your Auto Policy Isn’t Enough
A standard auto policy puts a lower cap on repair costs and won’t cover your personal belongings inside the RV. Specialized RV insurance fills those gaps.
It’s Part Home
When parked, your RV functions as a residence. Standard auto policies don’t account for campsite liability, personal belongings, or full-timer scenarios.
It’s Part Vehicle
While on the road, you need liability, collision, and comprehensive just like any vehicle — but at limits appropriate for the size and value of an RV.
It’s a Big Investment
RVs are expensive. Specialized coverage protects your investment with total loss replacement, loan/lease protection, and coverage that matches what you actually own.
Real Scenarios
When RV Insurance Makes the Difference
These aren’t hypotheticals — they’re the kinds of claims we help our clients navigate every year.
The Falling Branch at Crater Lake
A tree branch falls on your parked RV at the campground — damaging the structure and your personal belongings inside. A standard auto policy caps repair payouts and won’t cover your belongings. Specialized RV insurance covers both.
The Leaky Hose at Yosemite
You hook up a water hose and leave for the day. It floods your campsite and the neighboring site — damaging gear, requiring lodging reimbursement, and disrupting the campground. RV insurance covers third-party property damage from incidents like this.
The Guest Who Slipped
You invite a fellow camper over for coffee. They slip on a wet kitchen floor and sustain an injury. Without vacation liability coverage, you could face a costly lawsuit. Motorhome insurance with campsite liability has you covered.
Frequently Asked Questions
RV Insurance Q&A
Everything you need to know before hitting the road.
Can I just use my auto insurance for my RV? +
You can, but it’s not recommended. A standard auto policy places lower caps on repair costs and won’t cover personal belongings, campsite liability, or full-timer scenarios. Specialized RV insurance is built for how an RV is actually used.
What types of RVs can be insured? +
We cover motorhomes (Class A, B, and C), travel trailers, fifth wheels, camper trailers, and pop-up campers. Each has slightly different coverage considerations — we’ll make sure you have the right policy for your rig.
I live in my RV full time. What coverage do I need? +
Full-timers need a specialized policy that includes full-timer liability — which functions like a homeowners policy when your motorhome is parked as a permanent residence. We offer this coverage specifically for full-time RVers.
Can I suspend my coverage when the RV is in storage? +
Yes. If your RV is moved into storage, we can suspend the portions of your policy that only apply when the vehicle is on the road — saving you money during the off-season without leaving you without coverage.
Does RV insurance cover my personal belongings inside? +
Yes — personal property coverage is included in specialized RV policies. This covers damage or theft of belongings inside your RV while you’re traveling or parked. Standard auto policies typically exclude this.
What is total loss replacement coverage? +
If your RV is totaled, total loss replacement coverage pays to replace it with a new RV of the same make and model — rather than paying a depreciated value. It’s one of the most valuable add-ons for newer RVs.
What Our Clients Say
Real Reviews from Real Clients
Don’t just take our word for it.
From the Blog
Things worth knowing.
Navigating the Road of Insurance for Full-Time RVers
Read More → Recreational Vehicles
