Interactive Planning Approach
When purchasing an RV Insurance policy, the first question to ask is whether you are insuring a motorhome or travel trailer.
A Motorhome is a vehicle that have living quarters permanently attached to the vehicle such as the following: Cooking Appliances, Refrigerator, Bathroom, Heating and A/C, Drinkable water system and electrical system.
A Travel Trailer is non-motorized and typically towed by a motor vehicle and used for camping. To qualify for RV insurance, a travel trailer must have a cooking facility and sleeping area permanently attached to the trailer.
The coverages that are generally available for RV insurance are Liability Insurance, Comprehensive Insurance, Collision Insurance, and Roadside Assistance.
What types of vehicles are covered under RV insurance?
RV insurance can cover both motorhomes and travel trailers. Motorhomes have permanently attached living quarters with amenities like a kitchen, bathroom, and sleeping area, while travel trailers are non-motorized and towed by another vehicle but must include permanent cooking and sleeping facilities to qualify.
Do I need RV insurance for my travel trailer?
Yes, if your travel trailer has built-in cooking and sleeping areas, it qualifies for RV insurance. While your auto policy may cover towing accidents, a separate RV policy provides protection for the trailer itself and your belongings inside.
What types of coverage are available for RV insurance?
Common RV insurance coverages include Liability, Comprehensive, and Collision insurance. Many policies also offer Roadside Assistance, which helps if you experience a breakdown or need towing while traveling.
Does my homeowners or auto insurance cover my RV?
Typically, standard auto or homeowners insurance offers limited or no coverage for RVs. A specialized RV insurance policy ensures protection for both your vehicle and the living area inside, including personal belongings and built-in features.
How can I get a quote for RV insurance?
You can start an RV insurance quote online or contact one of our J.S. Braddock Agency offices to speak with an agent. We’ll help you find the right coverage for your motorhome or travel trailer at a competitive rate.
Understanding Your RV Insurance
RV Insurance protects your motorhome or travel trailer — and everything that makes it feel like home. At J.S. Braddock Agency, we help you find the right policy for your vehicle type, travel needs, and lifestyle. Whether you’re on the road or parked at the campsite, we’ll make sure you and your RV are protected from the unexpected.
Coverage built for life on the road protecting your motorhome, travel trailer, and everything in between.
Liability Coverage
Protects you financially if you cause injury or property damage to others while driving or using your RV.
Collision Coverage
Covers repairs to your RV if it’s damaged in an accident, regardless of who’s at fault.
Comprehensive Coverage
Provides protection from non-collision events such as theft, fire, vandalism, or weather damage.
Roadside Assistance
Offers help when you need it most — including towing, flat tire repair, or emergency service while traveling.
