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🏡🚗 Why an Independent Agent Is Better for Home & Auto Insurance
Quick Answer: An independent insurance agent represents many carriers, so they shop your home and auto across 20+...
PERSONAL INSURANCE
RV Insurance
Independent RV insurance for Illinois owners, from Class A motorhomes to travel trailers and fifth wheels. We shop 20-plus carriers for the coverage your rig and your road trips actually need.
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Quick Answer: RV insurance covers liability, collision, and comprehensive for motorhomes, plus specialized coverages like total-loss replacement, full-timer’s liability, emergency vacation expense, and personal belongings. Motorhomes (Class A, B, and C) need their own auto-style policy; towable trailers and fifth wheels need their own physical-damage coverage. Most policies run about $200 to $2,000+ a year.
An RV is a vehicle and a home on wheels, so it needs more than a standard auto policy. Whether you weekend in a travel trailer or live full-time in a Class A, we compare 20-plus carriers to match the coverage to how you actually use your rig.
What RV Insurance Covers
Liability
Pays for injuries and property damage you cause while driving a motorhome. Required for motorhomes in Illinois.
Collision & Comprehensive
Repairs or replaces your RV after a crash, theft, fire, storm, or vandalism.
Total Loss Replacement
Replaces a newer RV with a comparable new unit after a total loss, instead of paying depreciated value.
Full-Timer’s Coverage
Homeowners-style liability and personal property for people who live in their RV full time.
Emergency Vacation Expense
Pays for lodging and travel home if a covered loss strands you on a trip.
Personal Belongings & Attached Accessories
Your contents, awnings, satellite dishes, and add-ons standard auto policies do not cover.
What RV Insurance Costs
| RV type | Typical annual premium |
|---|---|
| Travel trailer or fifth wheel (physical damage) | $200 to $700 |
| Class C or Class B motorhome | $800 to $1,500 |
| Class A motorhome | $1,200 to $2,500+ |
Estimates only; your rate depends on the RV type and value, how often you use it, full-time vs recreational use, and your driving record. A producer confirms your premium.
Motorhome vs. Travel Trailer: What You Need
A motorhome drives itself, so Illinois requires it to carry auto liability just like a car, plus optional collision and comprehensive. A travel trailer or fifth wheel is towed, so your tow vehicle’s liability extends to it while towing, but the trailer still needs its own physical-damage coverage to protect the rig itself. We make sure both are covered correctly, and an umbrella policy can add liability protection on top.
What Our Clients Say
RV Insurance FAQ
What does RV insurance cover?
Liability, collision, and comprehensive for motorhomes, plus specialized coverages like total-loss replacement, full-timer’s liability, emergency vacation expense, and personal belongings and attached accessories.
Do I need insurance for a travel trailer?
Your tow vehicle’s liability covers a travel trailer while towing, but the trailer needs its own physical-damage coverage to protect it from theft, storm, and accidents. Lenders require full coverage on a financed trailer.
What is total loss replacement on an RV?
If your newer RV is totaled, total-loss replacement pays for a comparable new unit instead of the depreciated value, so you are not left short on a major purchase.
Do I need special insurance to live in my RV full time?
Yes. Full-timer’s coverage adds homeowners-style liability and personal property protection for people who use their RV as a primary residence.
How much is RV insurance?
Travel trailers often run $200 to $700 a year for physical damage, Class C motorhomes $800 to $1,500, and Class A units more. Type, value, use, and driving record set the price.
Hit the Road Covered
Let us shop 20+ carriers for the right RV coverage at the best price. No agency fees, ever.
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Reviewed by Dave Rysavy, Personal Lines Advisor
Dave helps Illinois RV owners protect their motorhome or trailer with the right coverage at the best price.
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