Recreational Vehicle Insurance

The only thing better than hitting the open road with the freedom to go anywhere is saving money in the process. Let us quote your RV insurance to see how much we can save you.

What is RV Insurance?

RV Insurance coverage is designed for most recreational vehicles, including motor homes, fifth wheel trailers, Airstream travel trailers, mounted truck campers and more.

Specialized RV coverage provides the features specific to the needs of an RV owner like contents coverage.

What is Motor Home Insurance?​

Motorhome insurance is a specialized type of coverage designed for recreational vehicles that function as both transportation and living space. It typically includes liability coverage for injuries or property damage, collision and comprehensive coverage for accidents or events like theft, fire, or storms, and personal property protection for belongings inside the motorhome. Policies often also cover medical payments, uninsured/underinsured motorists, and optional add-ons such as roadside assistance, vacation liability, or full-time living coverage. This insurance is essential for owners of Class A, B, or C motorhomes, whether used occasionally or as a primary residence, because standard auto insurance usually doesn’t cover the unique risks associated with traveling and living in a motorhome, protecting both the vehicle and its contents.

Recreational Vehicle Insurance Coverages

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:
  • Bodily injury liability - for injuries the policyholder causes to someone else.
  • Medical payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car.
  • Property damage liability - for damage the policyholder causes to someone else’s property.
  • Collision - for damage to the policyholder’s car from a collision.
  • Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
  • Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
  • Contents Coverage - Covers damage or loss of the contents of the recreational vehicle. Contents coverage is typically purchased at a set amount not to be exceeded in a claim payout.

Contact us to learn more about the right RV insurance for you.
(940) 552-5484​
1522 Fannin St.
Vernon, TX 76384​
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