Recreational Vehicle Insurance

Do you drive your fifth-wheel to the grocery store and back? Probably not. Then why would you insure your rig with a policy meant for an everyday automobile? Choose an RV Insurance policy from us specialized for your fifth-wheel.

What is RV Insurance?

RV Insurance coverage is designed for most recreational vehicles, including motor homes, fifth wheel trailers, Airstream travel trailers, mounted truck campers and more.

Specialized RV coverage provides the features specific to the needs of an RV owner like contents coverage.

Recreational Vehicle Insurance Coverages

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:​
  • Comprehensive Coverage This is included with our fifth-wheel policies and is not automatically included in your typical auto policy. This provides protection from just about any direct, sudden, and accidental loss, including; collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning. We also include Coverage for Attached Accessories, including awnings, satellite dishes, TV antennas and more.
  • Total Loss Replacement Coverage This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value of your fifth-wheel at the time it's destroyed. Our fifth-wheel insurance coverage options protect from the effects of depreciation. If your new-model fifth-wheel is destroyed within its first five model years, and you're the original owner, replacing it with a brand new one of similar kind and quality is paid. In years six through ten, you're given up to what you originally paid for it toward the purchase of another fifth-wheel.
  • Emergency Expenses Coverage Pays for lodging or travel home if your camper is damaged or destroyed by a covered loss more than 50 miles from home.
  • Replacement Cost Coverage More than a typical auto or homeowners policy, this covers your personal belongings that are destroyed or stolen.
  • Towing And Roadside Assistance From TraveLine® Eliminates The Hassle Of Buying A Separate Towing Plan. Towing, jump starts, roadside service, flat tire charges, fuel delivery, and locksmith service are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. What's more, your fifth-wheel and your tow vehicle are covered, regardless of who is driving!
  • Campsite/Vacation Liability Coverage Provides liability coverage when you are parked and using your fifth-wheel as a residence, typically seasonally or weeks at a time.
  • Full-Timer Coverage This is a coverage very similar to a homeowners policy. This option also covers you when you are parked and using your fifth-wheel as a residence, typically for extended periods of time.
  • Insuring Your Tow Truck This special option offers insurance for your medium duty tow truck that you use to tow your fifth wheel, provided the medium duty tow truck's GVWR exceed 10,000 pounds. This means that the maximum allowable total weight of a road vehicle when loaded must exceed 10,000 pounds.
  • Special Program For Stationary Fifth-Wheels Gives you extensive comprehensive and contents coverage if you use your fifth-wheel as a seasonal or permanent residence. This includes liability coverage that covers liability, medical payments to others, and property damage claims caused by an accident for which you are held liable. This RV insurance program provides you with additional protection since your auto or homeowners policies may not extend coverage to you.