Independent Rv & Motorhome Insurance Brokerage
RV Insurance: Compare Quotes Nationwide
RV insurance covers Class A, B, and C motorhomes, plus travel trailers, fifth wheels, and toy haulers. It includes auto-style coverage plus protections specific to mobile living: full-timer liability, contents, and total loss replacement.
Get a Rv & Motorhome Insurance QuoteWhat RV Insurance Covers
RV insurance combines auto-style coverage for driving a motorhome or towing a travel trailer with home-style coverage for what's inside. Motorhomes need liability like any vehicle. Towable trailers are usually covered for liability by the tow vehicle's auto policy, but they still need their own physical damage coverage.
- LiabilityInjuries and damage you cause while driving a motorhome.
- Collision + comprehensiveRepairs after a crash, theft, fire, hail or a falling tree.
- Total loss replacementOn newer RVs, pays for a new comparable RV instead of a depreciated value.
- Contents / personal effectsBelongings inside the RV, like electronics, gear and kitchen items.
- Full-timer liabilityHome-style liability protection if the RV is your primary residence.
- Emergency expense + roadsideLodging and travel costs if a covered breakdown strands you far from home, plus towing and road service.
What Drives Your RV Insurance Price
- The RV's class, age and value (Class A motorhomes cost the most to insure)
- Whether it's driven (motorhome) or towed (travel trailer, fifth wheel)
- How many months a year you use it, and full-time versus recreational use
- Your driving record
- Where it's stored when you're not traveling
- Discounts: bundling with auto, a claims-free record, storage-period coverage
Each carrier weighs these factors differently, so the same person can get very different quotes. As an independent agency, Signature Insurance compares several carriers for you at once, and we can shop your policy again at renewal.
RV Insurance FAQ
Is RV insurance required?
For motorized RVs (Class A, B, C) — yes, like any vehicle. For non-motorized travel trailers and fifth wheels, it's often required only by your lender or campgrounds, but liability coverage is highly recommended either way.
What's full-timer coverage?
If your RV is your primary residence (not just vacation use), you need full-timer liability coverage that mimics homeowners liability — covering injuries that happen at your campsite, not just on the road.
Does my auto policy cover my travel trailer?
Your auto policy usually extends liability to a trailer while it's hitched, but not damage to the trailer itself or its contents. That takes a separate RV or trailer policy.
What if I live in my RV full time?
Tell your agent. Full-timer coverage adds home-style liability and higher contents limits that recreational RV policies don't include.
Can I lower my premium while the RV is stored?
Many carriers offer storage coverage that keeps comprehensive in place and drops driving coverage for the months the RV sits.
Are awnings and slide-outs covered?
Usually, as part of physical damage coverage, subject to your deductible. Some carriers limit awning damage, so we check it on your quote.
Get a Rv & Motorhome Insurance Quote
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9 AM – 5 PM EST.