Your RV is part vehicle and part home. Most policies handle the vehicle half well; the home half is where the gaps are.
The distinction drives everything. A motorhome is driven, so it needs auto liability of its own. A travel trailer or fifth wheel is towed, and liability while towing generally follows the vehicle pulling it — but the trailer still needs physical damage coverage for itself and for what is inside.
Assuming a trailer is covered by the truck's policy is a common and expensive mistake. The truck's liability may extend to towing; it does not repair or replace the trailer.
Personal effects. An RV carries far more than a car does — bedding, kitchen equipment, electronics, tools, outdoor gear. Coverage limits for contents are set separately and are easy to underestimate.
Attached accessories. Awnings, satellite dishes, solar panels, racks and generators usually need to be accounted for specifically.
Emergency expense. If the RV becomes unlivable far from home, this covers lodging and transportation while it is repaired.
Roadside assistance. Towing an RV is not the same service as towing a car, and standard auto roadside plans often will not do it.
Vacation liability. Covers injuries at your campsite while the RV is parked and being used as a residence.
If you live in the RV rather than vacationing in it, the policy changes. Full-timer coverage adds liability and contents protection closer to what a homeowners policy provides, because the RV is your residence. Carriers ask about full-time use specifically, and answering it inaccurately can void coverage when it matters.
Many RVs sit unused for months. Some carriers offer a storage option that reduces liability premium while keeping comprehensive in force, so the rig stays covered against hail, theft and fire where it is parked. Suspending coverage entirely is rarely the right call in hail country.
Start here: does RV insurance cover roof leaks and water damage, what your truck's policy actually covers, and what gets paid when an RV is totaled.
Whether you take weekend trips, spend months on the road or live in it, we look for coverage that fits how you actually use the RV. We insure Class A motorhomes, Class B camper vans, Class C motorhomes, travel trailers, fifth-wheel trailers, pop-up and folding campers, truck campers and many other eligible recreational vehicles.
Living in your RV for much of the year? Tell us. Full-time RVers have different needs than occasional vacationers, and full-timer coverage can add protection closer to what a homeowners policy provides for liability and personal property.
We can also review total-loss replacement, personal belongings, roadside assistance, vacation liability, full-timer liability and the other RV-specific options available to you.
Eligibility and available coverage depend on the type, age, value and condition of the RV, how often you use it, and whether it is used recreationally or as a primary residence.
Not sure what you need? Give us a call. We will ask a few questions, explain the options and shop it. More detail: living in your RV full time and vacation liability and what is inside.
The truck's liability generally extends to the trailer while towing, but it does not cover damage to the trailer itself or its contents. Those need coverage on the trailer.
Yes. Full-timer coverage adds liability and contents protection similar to a homeowners policy. Carriers ask about full-time use and it affects how the policy responds.
Personal effects coverage is a separate limit and is commonly set too low. Add up what you actually carry before choosing the number.
Many carriers offer a storage option that lowers liability premium while keeping comprehensive in place, which matters in hail country.
Tell us what you need covered and we will shop it across dozens of carriers.