Roam with confidence

with solutions built for the open road

Comprehensive motorhome and trailer protection that blends road liability with full-timer campsite safety. Without loopholes.

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RV’s & Travel Trailers We Help Protect

  • Motorhomes

    Class A & C

    Luxury on the move. Complete protection tailored for large scale, high value motorized coaches and family campers.

  • Camper Vans

    Class B

    Built for agile adventure. Specialized agile coverage optimized for custom van builds, off-grid utilities, and road trips.

  • Travel Trailers

    Premium towable security. Complete safety nets designed for traditional tow-behinds, heavy fifth wheels, and utility toy haulers.

  • Utility Campers

    Lightweight trail freedom. Practical, cost-effective protection built for folding tent trailers, truck bed campers, and teardrops.

Understanding Your Coverage

Your rig isn't just a vehicle, it’s your home away from home. Explore the core coverages below designed to protect your investment, your family, and your peace of mind wherever you park.

  • Vacation Liability

    What it is: Extends full premises liability protection to your specific campsite or parking spot, acting just like a temporary homeowners policy while you are set up.

    Why you need it: The moment your rig is unhitched and parked, it becomes a home. If a visitor trips on your outdoor steps or gets hurt at your site, standard auto plans won't cover you, but this does.

  • Personal Effects

    What it is: Pays to replace the personal belongings kept inside your rig like electronics, cameras, clothes, outdoor cooking gear, and tools if they are stolen or destroyed.

    Why you need it: Standard auto policies explicitly exclude your personal belongings, and home insurance severely limits items away from your house. This bridges that massive gap to protect your everyday gear.

  • Uninsured & Underinsured

    What it is: Covers your medical bills, pain and suffering, and lost wages if you or your passengers are injured in a crash caused by a driver who carries zero insurance or lacks enough liability to cover your injuries.

    Why you need it: Motorhomes are family vehicles designed for long road trips. If an uninsured driver hits your coach and causes severe injuries to you or your family, your standard health insurance won't cover things like long-term recovery or lost wages. This steps in as your financial shield.

  • Comprehensive

    What it is: Covers non-collision damage or total loss to your motorized rig or towable trailer from events like theft, fire, vandalism, heavy hail, animal strikes, or glass breakage.

    Why you need it: Rigs sit idle in storage or at trailheads, making them prime targets for thieves and weather damage. Whether a storm shatters your roof vents, a rock cracks a massive seamless windshield, or the entire trailer is stolen, this protects your investment 24/7.

  • Collision (Motorhome)

    What it is: Covers physical damage to your motorized coach from a crash, rollover, or impact with an object (like a low bridge or campsite tree) while driving under its own power.

    Why you need it: Motorhomes are massive, have huge blind spots, and are incredibly expensive to repair. If you misjudge a tight turn at a gas station or clip a low hanging branch that tears your roof open, this is the only coverage that pays for those heavy structural repairs.

  • Medical Payments

    What it is: Quickly covers immediate medical bills, doctor visits, and ambulance fees for you and your passengers if an accident happens on the road or at camp, regardless of fault.

    Why you need it: Out of state health insurance network exclusions and high deductibles can cause massive financial headaches. This provides immediate, friction-free emergency medical funding on the fly.

  • Emergency Exspense

    What it is: Covers temporary hotel stays, meals, and alternative transportation costs if your rig is un-rideable due to an accident while you are far from home.

    Why you need it: If your motorhome breaks down or your trailer is damaged mid trip, you can't just walk home. This ensures you aren't stranded paying out-of-pocket for unexpected lodging while your rig is in the shop.

  • Bodily Injury (Motorhome)

    What it is: Covers bodily injury and property damage caused to others if you are found at fault in an accident while driving your motorized coach.

    Why you need it: Motorhomes are massive, multi-ton vehicles that can cause devastating damage in a collision. If you cause an accident, you are personally exposed to massive lawsuits—this coverage protects your assets and handles your legal defense costs.

  • Collision (Travel Trailer)

    What it is: Covers physical damage to your towable trailer (Fifth Wheel, Toy Hauler, or travel trailer) if it is damaged in a crash, highway rollover, jackknife incident, or backing mishap.

    Why you need it: Your truck’s insurance will never pay to fix your trailer. While your truck's liability extends to cover damage, you cause to others while towing, it completely ignores your actual trailer. If crosswinds flip your rig or you back it into a tree, you need dedicated trailer collision coverage to repair it.

  • Total Loss Replacement

    What it is: A specialized protection option for newer rigs that replaces a totaled RV with a brand-new, current-model equivalent rather than a depreciated cash payout.

    Why you need it: RVs depreciate fast. If your rig is stolen or totaled in its first few years, a standard insurance cash payout will leave you thousands short of buying an equivalent replacement.

Bundle & Save

We’ll help make sure youre coverage & discounts are working together.

LET'S REVIEW YOUR COVERAGE

01
Tell Us About Your Needs

02
Review Coverage Options

03
Choose Your Solution

  • BUILT AROUND YOU

    We design custom portfolios tailored to your specific lifestyle and risks, rather than forcing you into a cookie-cutter policy.

  • REAL SERVICE

    Skip the automated phone trees. Enjoy direct access to a local, trusted advisor who proactively manages your protection.

  • ZERO GUESSWORK

    Insurance shouldn't be a mystery. We break down the complexities, so you fully understand your coverages and exclusions.

  • REAL OPTIONS

    As an independent brokerage, we leverage our network of top carriers to secure premium protection at competitive rates.

RV & Travel Trailer FAQ’s

  • Yes, for motorhomes; generally, no for trailers, with an exception. Because motorhomes are driven under their own power, state laws require active liability coverage just like a car. Travel trailers don't legally require insurance to be towed because your truck's liability extends to the hitch, but if you have a bank loan or a lease on the trailer, your lender will mandate comprehensive and collision coverage to protect their asset.

  • Only for damage you cause to others while hitched, unless you buy a dedicated policy. Your tow vehicle’s auto insurance only extends liability down the hitch line, it will never pay a single dollar to fix physical damage to your actual trailer if you crash, jackknife, or get hit by hail. Dedicated comprehensive and collision protection keeps your rig secure 24/7, whether you are flyng down the highway, unhitched at camp, or sitting in winter storage.

  • Not under a standard recreational policy. Regular RV and trailer policies assume you are using the rig for temporary vacations. If you live in your rig for more than six months out of the year, you need a specific Full-Timer endorsement. This switches your policy into a hybrid package that gives you massive home-style personal liability and deep personal property protection.

  • Yes, if you add Vacation Liability. A standard auto policy stops working the second you park. Adding campsite protection transforms your policy into a temporary homeowners shield, covering you if someone trips over your leveling blocks, gets hurt on your patio mat, or if a faulty campground utility pedastal causes a massive electrical surge that fries your rig's internal systems.

  • Yes, under comprehensive and collision. Mechanical components like automatic slide-outs, leveling jacks, and exterior awnings are covered if they are damaged by an outside force like a collision, a falling tree branch, or a sudden severe storm. Keep in mind: insurance never covers standard mechanical wear-and-tear or general maintenance failure.

  • Yes, as long as they have your explicit permission and a valid driver's license. Insurance generally follows the vehicle, not the person. However, because heavy fifth wheels and large motorhomes require specialized driving skills, anyone handling your rig needs to be fully permitted under your policy terms for coverage to apply cleanly in a major claim.

  • It depends entirely on the settlement type you choose when building your policy. You can opt for Actual Cash Value (pays out the depreciated market value at the time of the crash), Stated Amount (pays up to a specific value you agreed on upfront), or Total Loss Replacement (replaces a newer rig with a brand-new, current-model-year equivalent).

  • Only if the water damage is caused by a sudden, accidental covered event; like a severe hailstorm punching a hole through your roof vent or a tree branch shattering a skylight. Insurance explicitly excludes gradual, long-term rot, slow pipe leaks, or mold resulting from poor sealant maintenance over time.

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