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Whether you’re on the open road or parked at a quiet campsite, you want peace of mind that your recreational vehicle is protected.
At Collings Insurance Brokers, we provide tailored coverage for motorhomes, RVs, and trailers, designed with both the journey and destination in mind. With our independent expertise and local insight, you can explore with confidence.
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How Recreational Vehicle insurance can protect you.
Recreational Vehicle Insurance protects you from the costs of injuries, damages, and liabilities that may arise while using your motorhome, trailer, or RV, with coverage tailored to the unique risks of these vehicles.
Unlike standard auto insurance, RV coverage is designed for vehicles that double as living spaces, protecting not only against collisions and liability on the road, but also for risks like fire, theft, personal belongings inside, and even emergency expenses while travelling.
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Coverage for what’s important to you
RV Insurance protects your vehicle, your belongings, and your liability, with additional coverage options available to fit your lifestyle including:
- Third-party liability including bodily injury and property damage
- Physical damage coverage
- Accident benefits
- Coverage for personal property in your RV
- Premise liability while parked
- Emergency roadside expenses
Coverage Highlights
Have a unique need? Reach out, and we’ll find the right coverage for you.
Collision covers physical damage to your vehicle in the event of a collision with an object or another vehicle while comprehensive covers all claims other than collision such as fire, theft or vandalism. These can be purchased as a pair or separately.
Extends protection to personal belongings inside your RV, such as clothing, electronics, and kitchenware, recognizing your RV as both a vehicle and a home.
Covers third-party injury or property damage not only while driving, but also at your campsite or RV lot, where unique risks can arise.
Frequently Asked Questions
Yes. Even towable trailers and fifth wheels need their own coverage. Your auto policy may cover liability while towing, but damage, theft, or contents inside the trailer typically require an RV policy.
Most RV policies include contents coverage, protecting belongings like clothing, electronics, or kitchenware. It’s an important difference from standard auto, which usually doesn’t cover personal property inside the vehicle.
Unlike standard auto, RV insurance protects your vehicle as both transportation and living space. It can include coverage for contents, outbuildings or attachments, and liability at your campsite in addition to road protection and options for replacement cost coverage.