Liability and physical damage
On the road, for motorhomes and while towing a trailer.
Personal Insurance
RV insurance for the road and the campsite.
An RV is a vehicle when it is moving and a home when it is parked. The policy has to handle both.
RV insurance combines auto and property exposures. Motorhomes need liability and physical damage like any vehicle, but they also carry contents, attached equipment and a liability exposure while parked at a site — and full-time RV living changes the requirements again.
Full-time use and vacation liability
If the RV is your primary residence, the policy needs a full-timer endorsement providing the personal liability and contents cover a homeowners policy would otherwise give you. Standard RV policies assume recreational use and fall short.
Vacation or campsite liability covers incidents at the pitch while the RV is set up and stationary. Towable trailers also need their own arrangement, since the towing vehicle's policy generally covers liability while towing but not the trailer itself.
What it covers
The parts of a rv insurance policy
Contents and attached items
Belongings, awnings, satellite equipment and fitted extras.
Campsite liability
Incidents at the pitch while the RV is parked and set up.
Full-timer cover
Extended liability and contents where the RV is your primary residence.
Working with us
What we do differently
We are an independent agency, so we place your rv insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Add a full-timer endorsement if you live in the RV rather than holiday in it
- Insure a towable trailer in its own right, not just through the tow vehicle
- Check emergency expense cover for accommodation if the RV is disabled away from home
Common questions
RV Insurance, answered
Does my auto policy cover my travel trailer?
It generally provides liability while towing, but not physical damage to the trailer or cover for its contents. A trailer policy handles those.
What is full-timer cover?
An endorsement for people who live in their RV rather than using it recreationally. It provides the personal liability and contents cover a homeowners policy would normally give, which a standard RV policy does not.
Am I covered at a campsite?
Campsite or vacation liability covers incidents while parked and set up. Standard vehicle liability applies to driving, so this is a separate part of the policy worth confirming.
Related cover
Often arranged alongside this
Boat Insurance
Homeowners policies cover small boats to a token limit. Anything with a real engine needs its own policy.
Read moreMotorcycle Insurance
Texas requires the same liability minimums as a car. What a bike needs beyond that is quite different.
Read moreRV Park Insurance
Transient guests, electrical hookups, pools and open ground. An RV park is a premises liability business first and foremost.
Read moreReady for a rv insurance quote?
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