Motorhome/RV Insurance

Protect your camper, trailer or motorhome

Whether you have a big, luxurious motorhome or a small pop-up trailer, when it’s time for your vacation, you don’t need to stress about your coverage. We understand that you’ve poured your heart into your motorhome and can help you find insurance solutions for the distinctive needs of your camper.

Motorized RVs need coverage the same way your car does, RV insurance includes collision coverage, comprehensive coverage and liability coverage, but goes further to protect your personal effects, upgrades and travel. Towable campers and fifth-wheel trailers have fewer requirements, but should have liability coverage as well. Your agent will help you determine the right policy for you based on your vehicle, usage and budget.

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Coverage for Motorized Campers

  • Collision Coverage

    Regardless of fault, collision coverage applies to damage incurred from striking vehicles or objects or being struck by other vehicles. In the event of a total loss, there are several pay-out options, ranging from actual cash value to full replacement costs.

  • Comprehensive Coverage

    Comprehensive coverage protects your car from events that are outside your control. Coverage includes windshield damage, vandalism, fire, accidents with animals, falling trees and natural disasters.

  • Liability

    Coverage for damage to other vehicles, property and medical expenses for other drivers, passengers or pedestrians when you are at fault. Talk to your agent about an Umbrella Policy to protect yourself against costs that exceed your policy limits.

  • Uninsured or Underinsured Motorist Coverage

    With 1 in 8 drivers uninsured, it’s important to protect yourself from additional risk. With the right coverage, you won’t be left on the hook for unpaid bills, even if the driver at-fault is uninsured, or if their coverage limit is reached.

Additional Coverage Options

  • Full-Timer Coverage

    Using your RV more than half the year? The right policy may include some aspects of homeowner’s insurance.

  • Lay-Up Periods

    Alternatively, if you’re done for the season, you may be able to save money while keeping your motorhome protected.

  • Custom Equipment Protection

    Have you made modifications to your RV? Coverage for A/V upgrades, customization and more may be available.

  • Traveling Coverage

    Going to Mexico or elsewhere abroad? Ask about how to find coverage for your big adventure.

  • GAP Insurance

    If your motorhome is financed, GAP Insurance can cover the difference between the pay-out amount and your outstanding balance.

  • Road-side Assistance

    Get help 24/7 with a flat tire, dead battery or more. Policies vary by carrier, but your agent will be able to tell you more about how you’re covered.

Save By Bundling

Save even more with a multi-policy discount when combining auto, home, renters and condo insurance.

What our customers are saying...

  • In two words: Great service.

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  • My representative responded in a timely manner. She searched for the best coverage and price for our new town home. Meghan gave us excellent professional service!

    Barbara L.
  • The team at Guaranteed Rate Insurance continues to exceed our expectations by far. From day one, the insurance experts have been customer friendly, knowledgeable and just plain awesome. They care about you in every way.

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