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Protect your motorhome, travel trailer, fifth wheel, or camper with coverage built for your adventures from weekend trips to full-time living.
Coverage for injuries or damage to others.
Repairs after accidents.
Theft, fire, and weather losses.
Coverage for belongings inside the RV.
Liability while parked and used as a residence.
Towing and emergency services.
Why You Need It
RV insurance protects your vehicle, your belongings, and your liability while you’re on the road or parked. From accidents to unexpected damages, the right coverage keeps your travels worry-free.
Weekend travelers with older RVs.
Frequent road trippers.
Full-time RV owners.
RV type
Motorhomes cost more than travel trailers.
Usage
Full-time use requires more coverage.
Location
Weather and theft rates affect pricing.
Claims history
Prior losses can increase premium.
Yes. Personal effects coverage protects items stored in the RV.
Yes. Roadside coverage can be added for towing and support.
Motorhomes typically require liability coverage like autos.
Yes. Full-timers should consider vacation liability coverage.
Turnaround varies by RV type, usage, and carrier requirements. We will confirm timing after review.
Flood coverage is not included and may need a separate policy.
Yes. We can insure travel trailers and fifth wheels.
Yes. Storage-only coverage can lower premium in the off-season.
The terms are often used interchangeably. A motorhome is a self-propelled RV (Class A, B, or C) and requires its own vehicle policy with state-minimum liability. Travel trailers, fifth wheels, and campers are towed and insured under a separate towable policy. Coverage needs and rates differ by type.
Travel trailer insurance typically ranges from $200 to $800 per year depending on the trailer's value, how often you use it, and your coverage selections. We compare carriers to find the right policy for your situation.
Yes. Class A motorhomes require their own insurance policy similar to a vehicle typically with higher liability limits due to their size and value. We can compare Class A motorhome policies from multiple carriers across all seven states we serve.
The best RV insurance depends on your RV type, usage, and budget. Carriers like National General, Progressive, and Good Sam are frequently rated well for RV-specific coverage. As an independent agency, Dragon Insurance compares options across multiple carriers including specialized RV insurers to find the best fit for your motorhome, travel trailer, or camper.
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Blog
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