Personal Insurance / RV
RV Insurance
An RV is a vehicle and a residence at the same time, and the policy has to cover both. The question that changes everything is how much of the year you actually live in it, because full-time use needs coverages a weekend camper does not.
What It Covers
The parts of the policy, in plain terms.
Physical damage
Collision and comprehensive on the unit itself, including hail, falling limbs and road debris.
Liability
On a motorhome this is auto liability. On a towable it usually extends from the tow vehicle while moving, which is why the next item matters.
Vacation liability
Covers you while the RV is parked and being used as a residence, which is when most guest injuries actually happen.
Personal effects and attached accessories
Everything you keep in it, plus awnings, satellite gear and the rest. These need their own limits.
How it plays out
You are set up at a campground for a long weekend, the awning is out, and a guest trips on a stabilizer jack and breaks a wrist. The RV is parked and not being driven, so this is vacation liability, not auto liability.
Placed with
- Progressive
- Foremost
- National General
Frequently Asked Questions
RV Insurance questions we get.
Does my auto policy cover a travel trailer?
What is full-timer coverage?
Is my stuff inside the RV covered?
What Clients Say
Trusted by your neighbors.
Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
Auto Insurance
Coverage shopped across multiple carriers, with real limits explained in plain terms.
Home Insurance
Coverage for the structure, your belongings, and the liability that comes with owning a house.
Condo Insurance
Fills the gap between the association's master policy and everything inside your unit.
Renters Insurance
Your belongings and your liability, even though the building is not yours.
Flood Insurance
Separate coverage for rising water, which no home or renters policy includes.
Motorcycle Insurance
Cruisers, sport bikes, touring and off-road, with custom parts actually accounted for.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file