Motorhome & RV Insurance
Exploring with Solid Protection

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RV Insurance: Protect Your Home on the Road

Whether you’re living full-time in your motorhome or heading out for weekend getaways, RV insurance helps protect your vehicle, your belongings, and your peace of mind. It’s not the same as standard car or homeowners insurance. RV insurance is built to cover both how you drive and how you live—on the road, at a campsite, or anywhere in between.

What RV Insurance Covers

RV insurance combines elements of auto and home coverage. It’s available for motorhomes (Class A, B, and C), camper vans, travel trailers, fifth wheels, and more. Common coverages include:

  • Liability – Covers injuries or damage you cause to others while driving. Legally required for motorized RVs.

  • Collision – Pays for damage to your RV from a crash, no matter who’s at fault.

  • Comprehensive – Covers non-collision events like fire, theft, vandalism, hail, and more.

  • Uninsured/Underinsured Motorist – Protects you if another driver causes an accident and can’t cover the costs.

  • Personal Belongings – Covers things like electronics, appliances, and gear inside the RV.

  • Vacation Liability – Protects you if someone is injured or property is damaged while your RV is parked and being used as a residence.

  • Emergency Expenses – Helps cover hotels, meals, and transport if your RV is disabled far from home.

Optional coverages include roadside assistance, coverage for attached gear (awnings, antennas, etc.), and full-timer liability for those who live in their RV year-round.

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    • It’s Legally Required – If your RV is motorized and driven on public roads, you must have liability insurance.

    • Auto and Home Insurance Don’t Cover Everything – Standard policies often exclude RV-related risks, especially when parked or lived in.

    • RVs Are Expensive – Insurance protects your investment from accidents, natural disasters, or theft.

    • You Travel with a Lot – Your insurance should cover not just the RV itself, but the things you bring with you.

    • You’re Not Always Near Help – Roadside assistance and emergency expense coverage can be a financial lifesaver.

  • If you own or operate:

    • A Class A, B, or C motorhome

    • A travel trailer, fifth wheel, or pop-up camper

    Then you need RV insurance—especially if you use it regularly or live in it full-time.

Talk to an Agent Before You Hit the Road

Choosing the right RV insurance depends on how often you travel, what kind of RV you own, and how you use it. Our licensed insurance agents can help you find a policy that fits your needs and budget—so you can focus on your next destination, not what could go wrong. Call 937-866-6138 today or fill out the form below!

Call 937-866-6138 today or fill out the form below to schedule a no-cost, no-obligation consultation. We’ll walk you through your options, explain what’s required, and make sure you’re fully covered, so you can focus on making memories, not managing risk.

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