News

Call Us Before You Hit the Road in Your Motorhome or RV

Two people sitting in front of an RV at sunset

You may have home and auto insurance, but is your motorhome properly covered? Let’s make sure you have the right protections in place before you set off on that epic road trip.

Liability insurance? It’s the law

In most states, you are legally required to have at least liability insurance for your RV. Our liability coverage includes:

  • Injuries and property damage you’re responsible for
  • Personal injury and medical payments if you get hurt in an accident
  • Adaptable limits and deductibles so you can tailor your coverage, from the minimum required by your state to full protection

Insurance for parts, personal belongings and more

Insurance for your motorhome’s parts is available under multiple coverages. Most of these include protection for your personal belongings contained within the vehicle, as well:

  • Collision coverage if your RV gets into an accident
  • Comprehensive coverage for theft, vandalism, fires or weather-related incidents
  • Underinsured/uninsured motorist coverage in case another driver causes an accident and they don’t have any insurance, or doesn’t have enough
  • Customization coverage for after-market upgrades that change the performance or appearance of the vehicle

We’ve got you covered

We insure all types of RVs, including:

  • Travel trailers (nonmotorized RVs)
  • Motorhomes (Classes A, B and C)
  • Pop-up campers (campers that collapse and are towed behind your vehicle)
  • Slide-on campers (RVs that slide onto the bed of a truck)
  • Fifth-wheel trailers (travel trailers that mount onto the bed of a pickup truck)

Additional coverage options include:

  • Roadside assistance insurance to cover your expenses if you break down away from home, including towing, meals and lodging
  • Vacation liability insurance to cover you if someone is injured at your campsite or vacation property
  • Total loss replacement to replace your RV or trailer with the same model or a later model
  • International travel for trips that cross U.S. borders

Ways to save

  • Our full-time insurance covers your motorhome if you decide to live in it year-round. For your property, you’ll get additional coverage similar to a homeowners policy.
  • We also offer discounts for safe drivers, defensive driving classes, antitheft and safety devices, and multiple vehicles insured with us.

Don’t leave without reaching out

Call us to learn more about how you can protect your home on wheels.

 

 

 

This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem.

Copyright © 2026 Applied Systems, Inc. All rights reserved.

The above description provides a brief overview of the term and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy or full details about coverage. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.