If you own an RV—especially one you live in full-time—you might assume your insurance covers everything you need. But here’s the truth: many RVers are cruising the highways with coverage gaps they don’t even realize.
The biggest misconception? That a standard auto insurance policy is “good enough.” But RVs are more than just vehicles—they're homes on wheels. Whether you’ve got a luxury motorhome, a fifth-wheel with living quarters, or a travel trailer, your insurance should reflect that.
Here’s what specialized RV insurance typically offers that a basic auto policy doesn’t:
🚐 Full-Time RV Coverage – If you live in your RV full-time, you need liability coverage similar to a homeowner’s policy—not just auto coverage.
🛋️ Personal Belongings Protection – Standard auto policies don’t cover the stuff inside your RV (think laptops, tools, kitchenware, etc.).
🔧 Emergency Expense Coverage – RV insurance can help with hotel stays, travel, and food if your rig breaks down far from home.
🪜 Awning & Accessory Coverage – Slide-outs, solar panels, and custom upgrades? Covered.
🏕️ Campsite Liability – If someone trips outside your RV at a campground, this protects you.
Don't wait until something happens to find out what’s not covered.
Need a quick check-up on your current coverage? We’re happy to review your policy and compare options across major carriers like Progressive, Safeco, Foremost, National General, and even GEICO (yes, we’re one of their few appointed independent agencies!).
👉 Start your free quote now
Or call us at 800-507-8467 — we’ll make sure you’re not stuck with the wrong coverage.