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RV Insurance

Putting You

In the Driver’s Seat

From Class A motorhomes to camper vans and mini-motorhomes, at Harry Levine Insurance, we insure many different types of recreational vehicles (even trailers!) to offer you the peace of mind that you deserve on your travels. 

On this page, we outline the RV coverage options you need to think about for your motorhome or travel trailer. More than just a free quote, we’ll walk you through all of your options, as well as discount opportunities, enabling you to hit the road knowing that you are protected against the unknown.

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More Freedom

Because we're not tied to a single insurance carrier, you have more choices and more flexibility.

Coverage For What Moves You

From auto and RV insurance to homeowner's policies and more, HLI is the place for top-quality coverage.

We Know Insurance

Don't hit the road unprotected! At HLI, we have the experience to help insure you against the bumps on the road of life.

Putting You In the Driver's Seat

At HLI, we believe that insurance works best when you understand it. That's why we're happy to explain exactly what you're getting.

What type of insurance

Do You Need

RV liability insurance is a must in most states. You can also purchase coverage to help pay for repairs if you’re ever in an accident or your RV gets damaged in some way.

In some cases, you are also required to purchase coverage, which helps pay for damages but also covers your belongings inside the RV, such as electronics, computers, clothes, sporting goods, and satellites.

If you buy the motorhome outright (versus financing), coverage is generally optional. If this type of coverage is optional, you need to think about how much you would be able to pay for major repairs or a complete loss of your RV. You should certainly consider coverage if you plan to live in your RV full-time.

Rental RVs are required to have insurance coverage. Check to make sure your auto insurance policy extends to RVs. If not, some RV rental companies will include insurance in the price of the rental. They may also offer short-term policies that will cover your trip.

An RV trailer parked next to a lake at sunset.
The Coverage You Need

On Your Terms

An RV trailer parked at a campsite at night.

We offer a variety of RV insurance coverage including but not limited to:

  • Bodily Injury & Property Damage Liability
  • Uninsured Motorist
  • Medical Payments
  • Comprehensive & Collision Options
  • Actual Cash Value
  • Agreed Value
  • Total Loss Replacement
  • Personal Effects Replacement
  • Roadside Assistance

Other options include Emergency Expense, Vacation Liability, Fuel Spill Liability, Trailer, Fire Department Service Charge, Mexico Physical Damager, Full Timer’s Package and Deluxe Package

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Pricing

Many people dream of owning an RV and exploring the country in an entirely different way. Around 10 million households already do, with another 1.72 million looking to buy, according to BusinessWire.

Aside from the cost of buying and maintaining an RV, you will also need to consider buying RV insurance. If so, you probably have many questions. Are you required to have insurance? What does it cover? How much is RV insurance?

The truth is, it can be cheaper than auto insurance.

Depending on the Class of your recreational vehicle, RV insurance can start at a few hundred per year, and typically tops out around $1,300 per year; which would be for the largest, most expensive type of RV. 

These premiums are based on a more limited usage than what you’re used to from car insurance, so the costs tend to be much more affordable.

A calculator and pen sitting on top of a monthly budget printout.
An RV trailer parked next to a lake at sunset.
Factors that affect

Rates

Other than size and type of motorhome, there are other factors that influence premium rates.

  • Age and condition of the RV
  • Your experience driving an RV
  • Your driving record
  • Where you live
  • How much you drive/use the RV
  • Number of previous claims
  • Type and amount of insurance

When you speak with us, ask about coverage options, policies, and deductible rates to determine your premium.

If you have your RV insured through a standard auto policy, some of the above scenarios may not be covered in the event of a loss and could end up costing you thousands of dollars. When you insure your RV on its own policy with Harry Levine Insurance, you’ll know you have wide ranging coverage to protect you from any type of incident.

Why get

RV Insurance

Your RV is more expensive than a car, so your RV insurance should cover more than what car insurance covers. Rather than add your RV to your auto policy, consider insuring your RV on its own insurance policy.

When thinking about insuring your RV, keep the following in mind:

  • There are things you may want to keep in your RV that you would not keep in your car, such as clothing, jewelry, binoculars, audio/video equipment, cameras, or outdoor gear. These items deserve to be protected!
  • When you park your RV at a campsite, you may be liable for the area around your RV.
  • If someone is injured in or around your RV, you may be responsible.
  • If your RV is damaged while you are traveling, you’ll not only need a place to stay…you’ll need a way to get there.
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An RV trailer parked at a campsite at night.
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Specialized

RV Insurance

Beyond basic liability and coverage, there are also additional policies that you can purchase.

  • Full-timer’s insurance
  • Campsite liability insurance
  • RV emergency expense coverage

Ask an insurance professional if you need any specialized RV insurance.

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