RV Insurance

When Your Home On The Road Needs Great Coverage - Call Us at 847.264.4644

Recreational Vehicle (RV) owners are a special breed. They love to take to the highway because they know traveling is more than just a means to get from point "A" to point "B." RV owners know the journey means as much as the destination.

While RV'ers enjoy being on the road and getting away, many mistakenly assume that RV insurance is the same as car insurance. If you don't have proper insurance for your RV, you may face financial hardship if you have an accident.

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What makes RV insurance unique?

RV Insurance is like two policies in one: it protects your vehicle like car insurance and your living area like home insurance.

Collision and road emergencies are risks to insure. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability, and other disasters.

Insurance for motor homes is to protect people that travel. And because your vehicle is typically bigger than others, you should have increased liability coverage than standard autos, and this is only one important coverage option you might consider.

Who needs RV insurance?

Who needs RV insurance?

There are several classes of recreational vehicles and they each need special insurance:

  • Class A covers RVs built like large commercial buses
  • Class B vehicles resemble vans, but have taller ceilings so you can stand up inside
  • Class C vehicles are large vehicles made from trucks or vans
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Options for Your RV Insurance Policy

When you insure your RV, you might want to consider these important options:

  • Insurance for full-time RVers
  • Camper liability — since you are responsible for what happens inside your mobile home and the lot or campsite it’s parked on (just like your house).
  • Increased bodily and property damage liability is not uncommon, especially if you have an expensive and large RV.
  • 24-hour roadside assistance is a feature that could save you time and money even if you only use it once. And if you never need it, what peace of mind!
  • Emergency expense money
  • Total loss coverage
  • RV contents coverage
  • Insurance for any ATVs being towing, both for the damage they may sustain being towed or driven.

Frequently bought together with RV insurance

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for. While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you. There’s no such thing as a one-size-fits-all insurance policy when it comes to your RV.

Contact us It’s Insurance Simplified to get RV insurance quotes when you work with Held Insurance Agency. Our office is located in Mount Prospect, Illinois. Serving all of Illinois and Wisconsin.