Recreational RV Insurance

Building the right foundation starts with an insurance agent you can trust.

Taking a road trip may be fun and exciting, but it doesn’t negate the potential of severe ramifications. Even if you’re traveling in an RV, camper, or motorhome, your vehicle must be insured against damage while on the road or even when parked. Liability coverage and property coverage are two essential aspects of recreational insurance. Whether driving or not, your automobile is protected with liability and property coverage.

 Cindy Larsen Insurance protects you if you harm or damage others, as well as the cost of repairs to your vehicle in case of a covered accident. You may pick from various coverage options tailored to your usage – for example, whether you use it for recreational purposes or as a full-time house. Depending on how the automobile is used, coverage will differ — for instance, if you’re driving a motorhome, you’ll need separate liability coverage to keep on the road. In contrast, pulling a travel trailer won’t require distinct liability insurance since it’s carried over from your car insurance policy while towing your travel trailer.


What it covers:

  • Liability Insurance
  • Covers the Cost of Cleanup Following an Accident’s Environmental Effects
  • Property Coverage
  • We will reimburse you for the following: physical damage, vandalism, theft, and collision.
  • Getting your stuff back after it’s been lost or stolen.


How does Recreational Insurance work?

If your RV is damaged or if you injure someone else, you can file an insurance claim. Depending on what happened, your insurer may cover the losses or injuries up to a certain amount.

Some key contrasts exist between RV insurance and regular car insurance. For instance, when you obtain RV insurance, your provider or agent will ask straightforward questions about you, your recreational vehicle (RV), and how frequently you utilize it. Then, you’ll pick which coverages work best for you and your automobile. Potential options include liability protection, collision coverage, full coverage, uninsured/underinsured motorist protection, and RV towing insurance. Generally, the more complete the range is, the higher the premium cost for said comprehensive policy.”

What is covered by Recreational Insurance?

How you use your RV will primarily determine what coverages you need and how much your premium will be. If you recreationally use it only sometimes, your rates may be cheaper than someone who lives in their RV full time. It’s key to remember that if your RV is a travel trailer pulled by another car, liability will usually fall under your auto policy since the travel trailer is not motorized. The coverage types below are familiar with most RV and motorhome policies:


Physical damage coverage: 

Comprehensive insurance protects your RV from theft, vandalism, windscreen damage, natural phenomena such as hail or extreme weather conditions, and other vehicles’ rocks and debris. Collision coverage pays for the money of repairing or replacing your RV if it is damaged in an accident, regardless of who is at fault. Accidents are covered under both types of insurance policies.

Bodily injury and property damage liability: 

Motorhomes are not required to have any additional insurance in most states. This coverage covers your legal costs if you cause damage or injuries while driving your motorhome and any fines resulting from the accident. Because the vehicle towing the travel trailer is responsible for its liability, travel trailers don’t require liability coverage.

Uninsured/underinsured property damage and bodily injury:

Uninsured/underinsured motorist property damage insurance may cover the cost of repairing or replacing your RV (up to your policy’s limits) after it has been hit and damaged by a driver who doesn’t have insurance or isn’t able to cover the amount of damage they’ve caused. Because travel trailers are not motorized, they do not need this coverage.

Medical Payments 

If you’re in an accident and your health insurance doesn’t cover all of your medical expenses, up to the limits you choose, you may be substituted for you and your passengers. The coverage does not apply to travel trailer policies.

 RV Roof Protection Plus:

If your motorhome or travel trailer’s roof needs to be repaired or replaced due to damage or wear and tear, roof protection coverage may be added to your physical damage coverage on many RV policies. Progressive’s Roof Protection Plus insurance can also pay for repairs to other components of your RV caused by the roof’s failure, up to the deductible you choose. A deductible is usually required, and older vehicles may not be covered.


Pest Protection:

Many RV insurers, including Progressive, have coverage for motorhomes and non-stationary travel trailers that sustained damage from insects, birds, rats, and other rodents and vermin. However, a deductible typically applies. Furthermore, older vehicles might not qualify for this type of coverage.

Coverage requirements for motorhomes

You need at least the state minimum liability coverage for motorhomes because they are driven, not towed. Also, if your motorhome is class A, B, or C, financed, or a rental, you’ll require a separate RV insurance policy. If you plan on operating a motorhome, your insurer must inform you of the minimum insurance requirements in your state. Not having RV liability insurance could result in losing your license, being fined, or even going to jail.

 Pro Tip:

RV insurance is usually divided into two types: recreational and full-time. If you don’t live in your RV full-time, recreational insurance will cover your RV inside and out while you’re on the road or parked at a campsite. A comprehensive RV insurance policy is for people who use a motorhome or travel trailer as their primary residence. Many of the coverage items will correspond with a recreational plan, although you’ll be able to add personal liability and loss assessment coverage.

Do you need insurance for your RV?

You’ll need liability insurance if you’re driving an RV on the street in most states. The state’s minimal standards are usually equivalent to those of a vehicle. Do you have any concerns regarding your state’s required camper insurance coverage? Visit our state information sites to learn more.

Investing in a specialty vehicle comes with additional risks, but Cindy Larsen Insurance covers you. Learn more about our special coverages for RVs and travel trailers.

How much does Recreational Insurance cost?

A few factors contribute to the cost of RV insurance: your location, driving record, and what you need from your policy. The amount you pay will depend on your chosen plan’s coverage levels, liability limits, and deductibles. 

If you want to increase your liability coverage, your insurance may cost more. If you increase your deductible, your insurance will most likely cost less.

Minnesota Recreational Vehicle Insurance

You may need to purchase insurance for your recreational vehicle in addition to insuring your primary mode of transportation. Although you aren’t required by law to have insurance when operating a boat or snowmobile, it is necessary if you own an RV, motorcycle, or motor home.

There are a lot of policies and coverage options for recreational vehicles, just like with regular cars. For example, do you need full coverage, including collision and other physical damage? Or would liability insurance be enough? If you’re insuring a boat, think about who will drive it most often, whether you need summer-only or year-round protection, and how much money you’d want back if the ship is stolen or damaged.

Cindy Larsen Insurance agents can assist you in better comprehending your needs and eliminating the confusion of a lot of options to locate the ideal policy for your situation. Because we are an independent agency with no ties on our side, we provide straightforward and impartial advice based only on your demands and anticipating the unexpected.

Recreational Vehicle Insurance Information

You may consider RV insurance if you need help protecting yourself and your recreational vehicle (RV) from financial problems. Because you’re most likely living or traveling in an RV part-time, it necessitates distinct coverage than a personal car. If your RV causes damage or injuries to people or their property while you’re driving, for example, RV insurance might be able to assist. Your Cindy Larsen Insurance agent can assist you in obtaining the best coverage possible for your needs.

What type of coverage do you need for your recreational vehicle?

The following expenses can often be covered by RV insurance:

Collision coverage—This can help keep your RV safe from theft, vandalism, windscreen damage, natural phenomena such as hail and high winds, debris kicked up by other cars, and animal attacks.

 Liability coverage This can help pay for property or physical damage you do to other people while driving your motorhome, as well as legal expenses that may come from the collision. Minnesota requires motorists of automobiles to have at least $25,000 in liability insurance coverage.

Property damage and bodily injury claims resulting from an accident with no insurance or underinsured coverage are standardCindy Larsen Insurance can help you pay for repairs or replacements (up to your policy’s limits) if an uninsured or underinsured driver hits your motorhome.

To Contact Cindy Larsen Insurance, please call us at 763-783-1188, or you can visit our office at 2705 Bunker Lake Blvd NW Suite 206 Andover, MN 55304.

Professional Service with a Personal Touch.

Independent Agent with Atlas Insurance

“I stumbled across Cindy Larsen 15 years ago when we bought our first house, I was so impressed with her and we quickly switched all of our autos and toys over to her too. For the past 14 years I have been a mortgage broker, and I see thousands of home owner policies come across my desk so I know when someone is paying too much. I have referred all my clients I can to Cindy, because of the great rates, service, and trustworthiness she has provided our family and all my clients.”


Alexandria, MN

Our Step-By-Step Service

We understand getting insurance moved over can be a hassle. That’s why our service and process exist to make it most convenient for you.

Cindy Larsen Insurance

Independent Agent with Atlas Insurance

2705 Bunker Lake Blvd NW Suite 206
Andover, MN 55304

Office: 763-783-1188
Text: 763-296-2810
Fax: 763-754-4028

Monday – Friday 8 am to 5 pm

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