RV Insurance Coverages

RV insurance coverages for your motorhome or travel trailer

We’re the #1 specialty insurer* because our policies are built to protect you and your RV in almost any situation, from driving your motorhome cross-country to pulling your travel trailer to your favorite campsite. Quote today and we’ll customize your coverage selections to fit your unique needs.

What does RV and travel trailer insurance cover?

Regardless of your motorhome or trailer type, RV insurance protects your vehicle if it’s damaged in an accident. You can also get protection for personal belongings inside your RV, as well as liability coverage on the road and when your RV is parked. Additionally, you’ll be able to choose medical payments to cover medical bills for you and your passengers if you’re in an accident, plus roadside assistance and emergency expense coverage.

Standard RV coverages

Comprehensive and collision


Uninsured/underinsured motorist (UM/UIM)

Medical payments

Extra RV coverages

Roadside assistance

Total loss replacement

Replacement cost/personal effects

Vacation liability

Full timer’s liability

Loss assessment

Emergency expense coverage

Pet injury coverage

If you’re still confused about travel trailer vs. motorhome insurance coverage, call us and speak with one of our licensed representatives. We’re RV experts, we know you value the RV lifestyle, and we’ll help you make sure your RV is classified and covered correctly.

Recreational vs. full-timer’s RV coverage

There are two major types of RV insurance policies based on how you plan to use your RV. If you aren’t living in your RV full time and using it recreationally, your policy covers you while traveling and at your vacation site. Full timer’s insurance is for you if your RV is your primary residence, and you may want to add coverages like personal liability and loss assessment. However, most RV coverages apply to both recreational and full-timer’s policies.

Get a quote on motorhome or trailer insurance coverage today

Get a quoteOr, call 1-855-347-3939