Recreational vehicle insurance is designed to protect your RV and other recreational vehicles, whether you are on the road, at a campground, or storing your vehicle during the off-season. Because RVs often serve as both transportation and living space, they require coverage that goes beyond a standard auto policy.

From motorhomes and travel trailers to camper vans and off-road vehicles, RV insurance helps protect your investment, your belongings, and your financial security.

Who Needs RV Insurance

Motorhome owners
Most states require liability coverage if your RV has its own engine.

Travel trailer and towable owners
While trailers may not require liability insurance, lenders often require comprehensive and collision coverage when the vehicle is financed.

Adventure and off-road vehicle owners
Many policies can extend to ATVs, snowmobiles, and other recreational vehicles used away from home.

Common Types of RV Insurance Coverage

RV insurance can be customized based on how you use your vehicle and what you want to protect.

Liability Coverage

Helps pay for bodily injury or property damage if you cause an accident.

Collision Coverage

Helps cover damage to your RV after an accident with another vehicle or object.

Comprehensive Coverage

Protects against theft, fire, vandalism, weather damage, and other non-collision losses.

Medical Payments or Personal Injury Protection

Helps pay medical expenses for you and your passengers after an accident.

Uninsured and Underinsured Motorist Coverage

Provides protection if you are involved in an accident with a driver who has little or no insurance.

Personal Belongings Coverage

Covers personal items and gear kept inside your RV.

Vacation Liability Coverage

Provides liability protection when your RV is parked at a campsite or RV park.

Roadside Assistance and Towing

Helps with towing, flat tires, jump starts, and breakdowns.

Full-Time vs. Part-Time RV Use

How you use your RV affects your coverage needs.

Full-time RV insurance offers extended liability and personal property protection similar to homeowners insurance for those who live in their RV.

Part-time RV insurance allows flexible coverage options for seasonal or recreational use and may reduce costs when the RV is in storage.

Why RV Insurance Is Important

Your RV represents a significant investment. Proper insurance helps protect you from costly repairs, medical expenses, and liability claims that could otherwise cause financial hardship.

Without the right coverage, you may face large out-of-pocket expenses or risk non-compliance with lender or state requirements.

How Amherst Insurance Can Help

At Amherst Insurance, we work with you to understand how you use your RV so we can help you choose coverage that fits your lifestyle and budget.

Our team can:

• Explain coverage options clearly

• Compare policies from top insurance carriers

• Help you meet state and lender requirements

• Provide ongoing service and support

Whether you travel occasionally or live on the road full-time, Amherst Insurance is here to help protect your journey.