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Vehicle Insurance

Vehicle Insurance

Meet Chris & Martha

Just Two Traveling Dreamers

Martha and Chris were both in there late 60’s when they decided to sell there house and buy an RV. They planned to travel the country, just like they had dreamed about doing when they were younger. They had put in a lot of planning in to this decision, both financial and personal. One thing they knew they need was the best recreational vehicle insurance.

Chris and Martha turned to Insurance Maestro to find them the best RV insurance policy, and they weren’t disappointed. Now, with the safety net of insurance, provided by Insurance Maestro, Chris and Martha are having the time of their lives traveling coast to coast in there RV.

A Quick Guide to Recreation Vehicle Insurance

At Insurance Maestro, we understand you want to find the best Recreation Vehicle Insurance possible. It needs to strike the right  balance between affordable and comprehensive. Our friendly team of insurance experts are here to support you, and we’re always happy to answer any questions you might have.

Frequently Asked Questions
about Recreation Vehicle Insurance

What insurance do you need to buy for a personal recreational vehicle?

Nearly all states will require you to carry liability insurance if you use public roads. The minimum amount of coverage you need is typically the same as your auto insurance. If you lease or take out finance on an RV, then your lender will ask you to buy coverage against certain events.

How much does it cost to insure an RV?

There are different factors used to determine the cost of personal RV insurance. These include age, type, condition, value, annual usage, and driving history.

What types of RVs can you buy insurance for?

RVs come in all shapes, makes, and sizes; and their value and uses can span a huge scale too. You can buy tailored recreation insurance that covers:

  • Class A, B, and C Motorhomes
  • Horse and cargo Trailers
  • Fifth-wheel Trailers 
  • Pop-up Campers 
  • Campervans
  • Truck Campers
  • Utility Trailers
  • Conventional Trailers
  • And more.

We're Here For You

We want to help you find the best Recreation Vehicle Insurance for your individual needs. If you contact us directly, our friendly team of experts will be happy to talk to you and offer guidance about the different types of coverage you might need to buy.

Thinking about Recreation Vehicle Insurance?

Read this first.


At Insurance Maestro, we understand the process of buying insurance can be time-consuming when you don’t have the answers you need when you need them. Our straight-talking team of personal insurance experts will answer your questions and help you find the best recreation insurance for your adventures and more.

Recreational Vehicle Insurance Explained

Whether you’re the proud owner of a class-a motorhome or you have a quirky pop-up camper, your active lifestyle and adventures deserve to be complemented with the peace of mind you get from knowing all eventualities are properly covered. You want to be free to enjoy all the benefits of life outdoors, and we’re here to help you get the best personal recreation insurance there is. 

When you get a quote for RV insurance, there are numerous factors your insurer will assess before giving you a final price. Depending on your individual uses for the vehicle in question, you’ll be able to choose from a number of insurance types. We’ll explain what these are in the next section.

Different Types of RV Insurance

Generally, RV insurance is split into two core types of coverage. This being full-time and recreational use. If you live in your RV on a full-time basis and it’s your primary residence, you’ll get similar options to those who use their vehicles recreationally, with additional options that are similar to homeowner insurance. If you use it exclusively on a recreational basis, you can expect your coverage to apply only when you are on the road, or you’re parked up at a site.

Coverage Options for Personal Recreational Vehicle Insurance

In this section, we’ll explain the options you’ll have when you get a quote for RV insurance, both for a standard policy, and the extra types of RV coverage you can add-on to a standard policy.

Injuries or Damage Caused by You
This will give you coverage for any property damage or bodily injury that you cause while driving your RV. If any legal fees arise following a covered event, this is the element of your RV coverage that pays for this. In most states, this type of liability coverage for your RV is state-mandated. 

Damage to your RV
Comprehensive RV insurance is designed to protect your vehicles from acts of vandalism, theft, acts of nature, accidents, windshield damage, a collision with an animal, or debris that gets kicked up from other vehicles. Make sure you know what your deductible is, as these will apply for any claims you need to make. 

Collision Coverage 
If you hit another vehicle or an object, then regardless of fault, it will cover damage to your vehicle. If you want collision coverage, then you’ll need to buy comprehensive RV insurance. A deductible will also apply for claims made under this part of your RV coverage. 

Uninsured or Underinsured Coverage
Considering the value of your recreational vehicle, you might be involved in an accident where the other party does not have enough coverage to pay to replace or repair your vehicle. Worse still, you might have an accident involving a vehicle that isn’t insured at all. This will cover bodily injury and property damage in cases such as this. 

Medical Payments
This is specifically relating to injuries that either you or your passengers incur and will cover medical expenses up to a pre-set amount.

Understanding RV Insurance Add-Ons

As with most types of insurance, the add-ons can make a significant difference to the practicality of your coverage. Here’s a quick summary of what each of the options means. 

Emergency Expense for RVs
If you’re away from home, which is probable given the nature of RVs, you will get a reimbursement of costs associated with hotels, transportation, and meals in the event of an accident. 

Roadside Assistance
This will typically cover your RV for any electrical or mechanical breakdowns and give you a towing service to the closest repair center. 

Vacation Liability
If a person sustains an injury around or on your RV and you’re on vacation, this can help with covering some of the liability costs. 

Replacement Cost
This coverage is for your personal property inside the RV. In some cases, it will also cover items that are outside of your trailer or motorhome. 

Total Loss Replacement
If you write-off your RV in an accident, this option will give you a brand new vehicle, minus the amount of any deductible. Some insurers give you the option of reimbursement for the original price you paid. 

Loss Assessment
If you’re a member of an RV association, you might be asked to contribute towards the cost of common area repairs in the event of a storm, for instance. Buying this add-on can provide you with a pre-set limit that will help you pay these unexpected costs. 

We’ve covered the most typical add-ons for RV insurance in this section, but there could be more depending on who your insurer is. While they do add to the cost of your policy, some of them are essential if you want complete peace of mind when using your RV away from home. The cost and age of your RV, along with the frequency and distance travelled, will usually help you determine which is best.

Got a question? We’ve got answers.

Our team of Personal Insurance experts will be happy to chat with you about your unique needs. Contact us today, and we’ll work through the options with you.

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