What is RV Insurance
RV insurance combines auto and property coverage to meet the unique needs of your mobile dwelling. Like all other forms of insurance, you transfer the risk of certain events to the insurance company. If you own a self powered RV, like a motorhome, you’ll need auto liability coverage in order to legally drive on public roads. Since your RV also acts as a dwelling, you’ll need additional coverage that protects your personal effects or incidents that occur at your campsite for which you’re liable. In return for taking on the risk of these potential expenses, you must pay the insurance company a premium. The premium is paid whether or not you experience a claim.
The insurance company is able to make this work because they collect premiums from many people but usually only a percentage of those people make a claim in a given year. The premium charged can vary from person to person based on a number of factors that the company believes makes you more or less of a risk.
How to Shop for RV Insurance
Figure Out Your Coverage
The first step is to know what RV insurance coverage you need. Some things to consider are:
- What is the value of my rec vehicle?
- How much can I afford to pay out of pocket for costs?
- How do I use my RV? Do I travel around or is it at a permanent site?
- Do I often have guests at my campsite?
- Am I living in my rec vehicle full time?
- What is my estimated net worth?
Get Multiple Insurance Quotes
The best way to find great insurance rates is to get quotes from a multitude of insurance companies. Each company targets people based on different characteristics. This means the same insurance company may offer drastically different rates for you compared to your friend, neighbor, or coworker.
Compare Insurance Companies
Once you’ve narrowed down your options to a handful of insurance companies, research each company’s claims satisfaction ratings, customer service ratings, financial stability, and any unique coverage offerings.
Add Your Discounts
Don’t forget to add any discounts for which you qualify. Many discounts are common to most insurance companies, but each usually offer specific discounts too.
We Can Help
Let us walk you through the process and get insurance quotes from over 15 top companies on your behalf.
RV Insurance Coverage Available
Covers injury or property damage you cause with your rec vehicle.
Covers damage to your RV caused by a collision with an object or vehicle.
Covers damage to your RV caused by something other than a collision.
Covers your injuries when the at-fault party has too little or no insurance.
Covers your personal property kept within the RV.
RV Roadside Assistance
Covers towing and emergency assistance if your RV breaks down near a road.
Covers guests to your campsite that injured.
Vehicles We Can Cover
Class A motorhomes
Class B motorhomes
Class C motorhomes
5th wheel trailers
Pop up campers
Frequently Asked Questions
The state of MN requires auto liability coverage for motorhomes in order to use public roads. If you have a trailer, liability coverage will be provided by the auto insurance of the vehicle pulling the trailer. If you have a loan on your rec vehicle, the lender will likely require physical damage insurance.
Preserve & Protect
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