rv insurance, trailer and motorhome insurance information
Popular RV Coverage Options
Choose RV Insurance Coverage
Loss of Use
Personal Effects Replacement Cost Coverage
Vacation Liability
Mexico Physical Damage
Roadside Assistance
Emergency Assistance
Audio-Visual and Custom Equipment Protection
Is it OK to add my RV to my Auto policy?
You can get liability and physical damage coverage for your trailer, camper or motorhome simply by adding it to your RV Insurance policy, but there are many potential coverage gaps if you don't have special RV or Trailer Insurance coverage. You would receive only actual cash value for your trailer, motorhome or camper. Most likely you wouldn't have coverage for your personal property, awnings, generators and other equipment. Plus, you wouldn't have vacation liability coverage, which protects you in case someone is hurt in or around your RV, and other valuable coverages.
What type of recreational vehicle can cover?
Due to variety of insurance providers we represent, you can get you the right RV Insurance, Trailer Insurance and almost any recreational vehicle insurance coverage! This includes Class A, B, and C motorhomes insurance coverage with values up to $1 million. We also can get you coverage for fifth wheels and conventional camper trailers, pop-up campers, truck-mounted campers, toy haulers, and utility and horse trailers valued at up to $300,000. However, these values may vary from state to state.
If I spend all summer in my RV, will I be covered?
Most of the RV Insurance carriers will cover you If you use your RV for fewer than 250 days per year.
What coverages are available if my RV breaks down or is disabled in an accident?
Get Your Trailer Insurance. There are two RV Insurance coverage available. The first is roadside assistance, which provides towing, labor (including changing a tire), delivery of fuel, oil, water, or other essential items, or assistance if you're locked out. The second is our Emergency Assistance Package. This coverage includes all the roadside assistance features plus transportation expenses, emergency lodging expenses, personal property coverage, and lock repair or replacement coverage.
Can I reduce coverage while RV is in storage for the winter?
Yes, you can reduce your coverage to only comprehensive if your RV is stored for more than 90 consecutive days. Then when you're ready to cruise again in the summer, call your broker to reinstate your liability or other coverage options so you're protected while on the road. It's a great way to save money on your RV insurance.
Can I insure my personal property while it is in my RV?
RV Insurance policy can cover your Personal property, it can be insured in multiple ways. There is a nominal amount of coverage provided by the Emergency Assistance Package. However, you can increase personal effects coverage up to $50,000 to replace items not permanently attached to your RV. This includes items such as clothing, recreational equipment, and electronics. Your homeowners or inland marine policies may also provide coverage for your most valuable personal property such as jewelry.