Buying an RV is more than just a purchase—it’s an investment in adventure, freedom, and the open road. Like any major investment, your RV needs protection. Securing multiple types of coverage ensures financial security in the face of accidents, mechanical breakdowns, theft, or natural disasters. Unlike everyday vehicles, RVs function as both automobiles and homes, increasing their risk potential. Motorhomes and trailers require specialized coverage to safeguard your investment and provide peace of mind.

Are You Choosing the Right RV Insurance?

Some RV owners opt to insure their motorhome by adding an endorsement to their car insurance policy. While this approach may seem convenient, it often falls short in coverage. Standard auto insurance typically lacks protection for RV-specific risks—such as loss of personal belongings, campsite liabilities, or damage to built-in equipment. A dedicated RV insurance policy provides comprehensive protection tailored to the unique aspects of RV ownership, ensuring you’re fully covered.

RV Insurance Covers More Than Your Auto Policy

RV insurance is more than just a vehicle policy—it’s a hybrid of home, auto, and travel insurance in one. Like auto insurance, it covers accidents on the road. However, it goes beyond that by providing coverage for injuries sustained inside your RV or on your campsite.

Additionally, RV insurance fills gaps left by homeowner’s policies. Many RVers assume their homeowner’s insurance will cover stolen items, but it may not provide adequate protection for high-value possessions like cameras, electronics, or jewelry. RV insurance can also cover onboard equipment, including generators, refrigerators, stoves, and water pumps. Adding personal property coverage to your RV policy ensures more complete protection for your belongings.

Customizing Your RV Coverage

One of the greatest advantages of RV insurance is flexibility—you can tailor your policy to fit your travel needs.

• Additional Roof Protection: Your RV’s roof is constantly exposed to weather, falling debris, and general wear and tear. Some policies offer specialized coverage to repair or replace roof damage, preventing costly repairs down the road.
• Pest Protection: RVs are susceptible to infestations from rodents and insects, which can damage wiring, upholstery, and even structural components. Pest protection coverage helps cover repair costs associated with infestations, ensuring your RV remains in top condition.
• Awnings & Accessories: RV components like awnings are vulnerable to damage. Specialized coverage can help cover the costs of repairs or replacements.
• Trip Interruption Coverage: Unexpected breakdowns can derail your travel plans. This coverage helps reimburse costs for lodging, meals, and alternative transportation when your trip is unexpectedly cut short due to mechanical issues.
• Roadside Assistance: No one wants to be stranded on the road due to a flat tire, dead battery, or engine failure. Roadside assistance coverage ensures you receive emergency help, including towing, fuel delivery, tire changes, and locksmith services.

Before hitting the road, consider discussing your options with an insurance agent to ensure your policy fits your lifestyle. Investing in the right RV insurance plan not only protects your vehicle but also provides security for everything you bring along on your travels.

Protect your home away from home—and enjoy the road ahead with confidence.

Insurance products are not FDIC insured, not a deposit and may lose value.