RV & Motorhome Insurance
A motorhome is a vehicle and a temporary residence at once. Insuring it as only one of those leaves a gap exactly where the expensive claims happen.
- Vehicle and contents covered under one policy
- Vacation liability while parked and in use
- Full-timer options if the RV is your primary residence
Request a rv & motorhome insurance quote
Tell us what you need covered. A licensed agent follows up with options, usually the same business day.
What a rv & motorhome insurance policy actually does
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Liability on the road
Injuries and damage you cause while driving. Motorhome size and weight make this limit more consequential than on a passenger car.
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Physical damage
Collision and comprehensive for the vehicle itself, including hail, which is one of the most common RV losses there is.
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Personal effects
Belongings inside the RV, which a standard auto policy does not cover and a homeowners policy covers only partially and away from home.
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Vacation liability
Liability while the RV is parked and being used as a residence: a guest injured at your campsite is not a road-liability claim.
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Emergency expenses
Lodging and transport if a breakdown or covered loss leaves you stranded far from home.
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Attached accessories
Awnings, satellite equipment, and permanently attached additions, which have their own limits.
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Wear, rust, and delamination
Gradual deterioration is maintenance. Roof and seal upkeep in particular is the owner's responsibility.
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Commercial use
Renting the RV out or using it for business needs commercial coverage.
RV & Motorhome Insurance questions
Is a towable travel trailer covered by my auto policy?
Liability generally extends to a trailer in tow, but the trailer's own physical damage and its contents usually are not. Those need a separate trailer policy.
What is full-timer coverage?
An option for people whose RV is their primary residence. It adds the personal liability and contents protections a homeowners policy would otherwise provide.
Can I suspend coverage in the off-season?
Some carriers allow reduced liability while stored, keeping comprehensive in force. Dropping coverage completely exposes you to theft, fire, and storm damage in storage.
Does the class of motorhome change the price?
Yes. Class A, B, and C units differ in value, repair cost, and claim patterns, and are rated accordingly.
Related coverage
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Car Insurance
Liability, collision, comprehensive, and the state-required minimums, explained in plain language, quoted by a licensed agent.
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SR-22 Insurance
An SR-22 is a certificate your insurer files with the state, not a policy. We handle the filing alongside the coverage it has to attach to.
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Motorcycle Insurance
Coverage that accounts for how a bike is actually ridden and stored, including custom parts your auto policy would not touch.
Not sure what you need?
Tell a licensed agent what you're insuring and what you're worried about. We'll walk through the options and what each one actually costs.