RV Insurance

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 Foremost 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.

Camper van insurance covers converted vans used for camping, including Sprinter and Transit builds. It adds coverage for the conversion contents, such as cabinetry, solar panels, and roof lifts, plus campsite liability while parked. Dragon quotes camper van insurance through Progressive and Foremost.

Liability for a toad, the car flat-towed behind a Class A motorhome, is typically covered by your RV policy while in motion. Physical damage to the toad itself requires separate collision and comprehensive coverage under that vehicle's own auto policy. Check both policies to confirm where coverage ends.

Actual cash value (ACV) pays the depreciated market value of your RV at a total loss. Agreed value locks in a fixed payout amount set when the policy starts, with no depreciation applied. Agreed value typically costs 10 to 20% more per year but is worth it for high-value coaches and fully customized fifth wheels, according to Foremost policy guidance.

Your tow vehicle's auto policy covers liability while a travel trailer or fifth wheel is being towed, but it does not cover the trailer's own physical damage, theft, or contents. A separate towable RV policy or trailer rider covers those gaps. Financed trailers require this coverage from the lender.

Yes. Standard RV carriers may quote high premiums or decline older units under actual cash value policies. Agreed value coverage is the better fit for vintage coaches, since you and the insurer agree on the insured value upfront rather than relying on depreciated market value. Foremost and National General both offer agreed value options for vintage motorhomes.