Your RV falls between your auto and homeowners policy — and is excluded by both. Specialty RV insurance covers everything from the engine to the dishes.
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📞 Call Now InsteadYour auto policy excludes motorhomes. Your homeowners policy excludes vehicles. An RV specialty policy covers both the vehicle components AND the living space — liability while driving and liability while parked as your home.
If your RV is your primary residence, you need full-timer coverage — which includes personal liability similar to homeowners and protects your belongings in the RV year-round.
If your RV breaks down far from home, emergency expense coverage pays for hotel, meals, and transport while your rig is repaired — up to 30 days in some policies.
Electronics, camping gear, custom awnings, satellite dishes, and solar panels are covered. Standard auto policies exclude all of this.
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