RV Insurance

For the open road and everything you bring with you. Coverage built around how you actually use your rig.

RV parked in the Arizona desert with saguaro cactus in the background

RV insurance bridges auto and home coverage in a way neither policy does on its own. It protects your rig on the road, covers it as a living space, and for full-timers can extend home-like protections for belongings, liability, and emergency expenses. Weekend campers and full-timers need different policies. We'll build one around how you actually use it.

Core Coverages

The three coverages that form the foundation of most RV policies.

Collision

Covers damage to your RV from an accident while on the road, regardless of who's at fault.

Comprehensive

Covers theft, weather, fire, and non-collision damage, whether you're moving or parked at a campsite.

Full-Timer Coverage

Extended home-like protection for those who live in their RV, with broader personal property and liability coverage than standard RV policies provide.

Frequently Asked Questions

+Is my RV covered under my auto or home policy?

Neither covers it well. Your auto policy may cover the RV while it's being towed but not as a living space. Your home policy won't cover it at all once it leaves your property. RVs need a dedicated policy designed for how they're actually used, on the road and off.

+Are my personal belongings inside the RV covered?

Not automatically. Standard RV policies cover the vehicle itself, but your clothes, electronics, gear, and other personal items inside typically require a personal belongings or contents coverage add-on. Full-timer policies tend to include broader personal property protection since the RV functions as a primary residence. If you store expensive equipment in your rig, it's worth reviewing your limits.

+What's a full-timer endorsement and do I need one?

A full-timer endorsement (or full-timer policy) extends home-like protections to people who live in their RV most or all of the year. It adds stronger personal liability coverage, broader personal property limits, and loss-of-use benefits if your RV becomes uninhabitable. If you spend more than six months a year in your RV, a standard policy likely leaves you underinsured as a residence.