RV Insurance in Mount Prospect & Beyond
Protection for Your Home on Wheels
RV insurance is a unique blend of auto and homeowners-style coverage designed to protect motorhomes, camper vans, and travel trailers. It includes liability protection for accidents on the road, collision and comprehensive coverage for damage to the RV itself, and personal effects coverage for belongings kept inside the vehicle. Whether you’re exploring Illinois state parks, heading north to Wisconsin, or traveling cross-country, the right policy ensures you can enjoy the open road with comfort and confidence. We help you understand your options and choose coverage that fits how you travel.
What’s Included in RV Insurance
Liability Coverage
Required for motorized RVs, liability coverage protects you if you cause injury or damage while driving. Towable trailers rely on the towing vehicle for liability, and we’ll help you ensure everything is structured correctly.
Collision & Comprehensive
Covers damage from accidents, fire, theft, vandalism, storms, and more. Because RV repairs can be expensive, many owners choose higher limits or specialized coverage options.
Personal Effects Coverage
Protects belongings stored inside your RV — from camping gear and electronics to clothing and kitchen items. Ideal for travelers who carry valuable equipment on the road.
Vacation Liability
Provides liability coverage when your RV is parked and being used as a temporary residence, such as at a campsite. It acts similarly to homeowners liability during your stay.
Full-Timer Coverage
For clients who live in their RV for extended periods, full-timer coverage offers broader liability and property protections similar to a homeowners policy.
Emergency Expense & Roadside Assistance
Some insurers offer coverage for lodging, transportation, and meal expenses if your RV becomes uninhabitable during a trip. Roadside assistance options are tailored to large vehicles needing specialized towing.
Agreed Value / Total Loss Replacement
For newer or high-value RVs, agreed value or total loss replacement ensures you receive a predetermined value after a total loss, rather than a depreciated payout.
Storage Season Adjustments
We can help adjust your coverage during winter storage so you’re protected without paying for unnecessary on-road coverages until the next season.
What to Expect From Our Team
We start by understanding your RV type, how often you travel, where you store it, and what personal belongings you carry. Then we compare policies from insurers that specialize in recreational vehicle coverage — looking at liability requirements, roadside assistance, contents protection, and replacement-cost options. Whether you’re a weekend camper or a long-distance traveler, we tailor coverage around your lifestyle. When it comes time for claims or questions, you’ll always have a knowledgeable local team ready to help.
Understanding RV Coverage Options
Below is a breakdown to help you understand how different RV protections work.
| Coverage Type | What It Covers | Why It Matters |
|---|---|---|
| Liability | Injuries/damage caused while driving | Required for motorhomes; essential on the road |
| Collision & Comprehensive | Crash damage, fire, theft, storms | Protects your major investment |
| Personal Effects | Items inside the RV | Perfect for campers carrying gear and valuables |
| Vacation Liability | Liability at campsites | Important for RVs used as temporary homes |
| Full-Timer Coverage | Liability/property for long-term RV living | Ideal for extended or full-time travelers |
| Emergency Expense | Lodging/transport after a breakdown | Helps you stay safe and comfortable mid-trip |
Need help choosing the right setup? We’re here to guide you.
Common Questions About RV Insurance
How do I insure a motorhome in Illinois?
Motorhomes need their own dedicated RV policy that includes liability, collision, comprehensive, and optional protections based on your travel habits. We help you compare options and choose the right fit.
Does RV insurance cover my belongings inside the camper?
Yes. Many policies include personal effects coverage for items stored in your RV. We help determine appropriate limits for your gear and valuables.
What’s the difference between motorized and towable RV coverage?
Motorized RVs require their own liability coverage, while towable trailers rely on the tow vehicle for liability. Both can carry separate physical damage and contents coverage.
Is RV insurance required in Illinois?
Motorhomes must have liability insurance. Towable trailers may not require separate liability, but coverage for the trailer itself is strongly recommended.
Can I reduce coverage during winter storage?
Yes. We can help adjust your policy during off-season months so you’re not paying for unneeded road coverage while your RV is stored.
Protect Your RV for Every Adventure
Owning an RV is a major investment — and proper insurance ensures you can travel confidently all year long. Request a quote today and let us help you build protection that fits your adventures.
