Protect Your Investment with RV Insurance Coverage

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Your recreational vehicle has unique insurance needs. Traditional car insurance doesn’t cover RVs, motorhomes, fifth wheels, travel trailers, or other types of recreational vehicles. RVs, whether they’re motorized or towable, have unique needs when it comes to insurance. We’re here to help you protect your investment with RV insurance at affordable rates.

As an independent RV insurance agency, we have more than 30 years of specialized motorhome insurance experience. If you're worried about your RV insurance cost, you can be confident in knowing that we can help you secure the RV insurance coverage that's best for your unique needs and budget. Our team can help you insure:

RVs
Motorhomes
Fifth Wheels
Travel Trailers
Toy Haulers
ATVs
Boats
Golf Carts
Automobiles
& More

We're proud to be able to offer you motorhome and travel trailer insurance coverage at great rates, as well as the peace of mind that comes from knowing that you're working with a reputable RV insurance agency with exceptional credentials:

More than 30 years of RV insurance experience
Licensed in 38 states nationwide
Professional licensed agents are ready to take care of all of your insurance needs

We provide a wide range of property and casualty insurance services as part of our motorhome insurance options. This includes free quotes, new policies, policy changes, umbrella policies, and renewals. We also offer medical emergency insurance coverage from MASA that covers unexpected medical emergencies while you're away from home.

Ready to insure your RV? Request an RV insurance quote to get started! If you have additional questions, please explore our RV insurance FAQs or contact your local Lazydays dealership to speak with our expert staff.

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Lazydays RV Insurance Resources

RV Insurance FAQ

Ready to insure your RV? Request a quote to get started! If you have additional questions, please explore our RV insurance FAQ or contact your local Lazydays to speak with our agents.

Do I Need RV Insurance?

In most states, you are required to have RV insurance to register and operate your RV. Some states also have RV license requirements for owners registering their RV in that state.

An RV is a unique investment that often includes specialized parts and features. Many owners, regardless of their state’s requirements, choose to insure their RV to protect their purchase and keep their adventures going. If you’re looking to make the most of your RVing, RV insurance can help. But even if it's not required, many owners choose to purchase motorhome insurance for peace of mind.

How Much Does RV Insurance Cost?

Just as with other types of coverage, RV, motorhome, or travel trailer insurance will vary in cost depending on your coverage type and options. If you opt for higher levels of coverage and a lower deductible, your RV insurance may be costlier than more minimal coverage would be. At Lazydays, we can help you find the right coverage for your needs.

Does RV Insurance Cover Water Damage?

If you choose full coverage for your motorhome insurance, it may include coverage for certain types of water damage. Contact our RV insurance agents to learn more!

Do I Need to Insure My RV When I’m Not Using It?

It's recommended to insure your RV at all times, as damage can occur even when an RV is in storage. There are many types of RV storage, and some protect your RV from potential damage better than others. If your RV is damaged while it's in storage and you do not have year-round coverage, you may need to pay for repairs out of pocket.

How Can I Find RV Insurance Providers?

When you're ready to learn more about insuring your RV, our experts are here to help! Contact us today to get a free RV insurance quote.

Specialized RV Insurance Coverage Options

Total Loss Replacement (TLR)

Also known as Replacement Cost Coverage, TLR motorhome insurance reimburses the entire replacement cost if your trailer or motorized RV is totaled. This type of RV insurance coverage is only available for units that are less than two years old when the policy is written. If the damage occurs within the first five model years, TLR motorhome insurance will typically replace the RV with a brand-new vehicle. After the sixth model year, insurance companies will usually convert the TLR policy to a Purchase Price Guarantee or Actual Cash Value policy.

Purchase Price Guarantee (PPG)

In the event of a total loss, a PPG motorhome insurance policy will reimburse your purchase price. This type of recreational vehicle insurance covers RVs that are more than two years old and requires documentation of your original purchase price. Some motorhome insurance companies extend this policy for the life of the RV, while others offer PPG coverage for the first ten model years and then convert to an actual cash value policy.

Actual Cash Value (ACV)

ACV is the most common type of recreational vehicle insurance policy. In the event of the total loss of your motorhome, fifth wheel or travel trailer, insurance companies will pay the depreciated fair-market value for your RV

Full-Timer Coverage (FTC)

Similar to a traditional homeowner’s policy, full-timer’s liability coverage includes personal liability as well as additional living expenses. An FTC RV insurance policy provides protection for accidents and addresses the unique needs of full-time RVers.

Personal Contents Replacement Coverage

This RV insurance coverage protects personal property such as housewares, clothes, tools and sporting goods. It provides full replacement cost for items that are stolen or damaged, whether the vehicle is parked, stored or in transit.

Diminishing Deductible Coverage

This type of motorhome insurance coverage rewards good drivers. Your original comprehensive and collision deductibles will be reduced by 25% for each claim-free year. If a loss occurs after the fourth year, you pay no deductible.

Agreed Value Coverage

This type of RV insurance is available for classic coaches and bus or van conversion vehicles that don't have a standard market value. You'll need a bill of sale or qualified appraisal to lock in your motorhome's value.

Emergency Travel Expense Coverage

If your RV is incapacitated due to a covered loss, this coverage is enough to cover the cost of a rental car and/or hotel room while your RV is being repaired.

Vacation Liability

This type of recreational vehicle insurance covers slip and fall injuries while your RV is parked. If someone is injured at your campsite, your liability exposure will be covered up to the specified policy limits.

Add-On and Tow Dolly Coverage

Most recreational vehicle insurance policies automatically cover items like awnings, antennas, external racks, and satellite dishes at no extra charge. Tow dollies and trailers are often covered as well.

Roadside Assistance

Most motorhome insurance policies include 24-hour emergency roadside assistance. Your RV will be towed to the nearest qualified repair facility, regardless of cost. These policies may also extend to towed vehicles used in conjunction with the RV.