Comparing RV Insurance Options For Trailer Owners

Whether it’s an RV, a motor home, a travel trailer or a camper…whether you drive it or tow it, at Moore Custom Trailers we know you love the RV lifestyle.

RV insurance covers several kinds of vehicles, such as motor homes — including Classes A, B, and C; motor coaches; and camper vans — as well as travel trailers, including campers, pop-ups, fifth wheels, and toy haulers.

But, finding the right type of insurance can be tricky.

Don’t trust your precious RV to ordinary auto insurance.

If your RV is currently insured by your auto insurance provider, learn more about the difference between auto and RV insurance and why it is so important to protect your RV with specialized RV Insurance.

There are many individual insurance companies that will sell you their brand of insurance.

You know the names, but which one do you buy?

Geico – Regardless of whether you are a newbie, full-timer or snowbird, GEICO’s RV specialists (yes, these are real people) will strive to help you get the best insurance coverage at the best price.

The Hartford – It’s more than a car, and it’s different than a home. It’s something special. So whether you need RV insurance, motorhome insurance, or trailer insurance, The Hartford offers the special protection you need to keep those road trips running smoothly.

Nationwide – Keeping your RV protected has never been easier. Collision, theft and vandalism are covered when you choose RV or motor home insurance from Nationwide.

Progressive – With RV insurance, you can select many types of coverage, including Vacation Liability, Full Timer’s, Emergency Expense and more. Your RV insurance policy can also protect your traveling companions and your valuables when you’re on a trip. Now that’s Progressive!

Safeco – Recreational vehicles and campers come in all sorts of shapes and sizes. If you travel with a luxury coach motor home, travel trailer, fifth wheel, pop up camper or camper van, Safeco will cover your RV even if it’s the only policy you carry with us. We’ll help make sure you’re properly covered so the vacation road trip you’ve been dreaming about all winter doesn’t take a turn for the worse. Your local Safeco agent can offer personal advice on RV insurance coverage that’s right for you and your home on the road.

State Farm – Whether it’s enjoying freedom on two wheels, charting for unknown destinations on the open water, or making your own track through the wilderness, motorcycle, boat owners, travel trailers and off-road vehicle insurance coverages from State Farm® can help you stay protected while you explore.

Comparing RV Insurance Options For Trailer Owners

While it makes sense to shop for coverage and best price for your home and auto from any of the carries listed above, safeguarding your recreational vehicle might require more flexibility and creativity than an insurance agency with one main product to offer can deliver.

For this reason, we recommend you find an insurance brokerage agency that offers multiple brands. These types of insurance companies for focused on getting you into the right policies, versus trying to meet a quote to keep their insurance franchise open.

While we recommend you conduct your own search for an RV insurance brokerage agency, we recommend Mahar Insurance of Dowagiac, Michigan.

While they are headquartered out of Cass County , Michigan, Mahar Indiana offers coverage across multiple state including; Indiana, Illinois, and Michigan.

They offer several insurance brands including, but, not limited to:

  • American Modern
  • Foremost
  • Progressive
  • Safeco

Conclusion About RV Insurance Options 

RV insurance is available through specific brand insurance agents, and insurance brokerage agencies. Both will underwrite your policy through an insurance company.

The main difference is specific brand insurance agents have a limited amount of options to offer you. Whereas, an insurance brokerage agency like Mahar Insurance,  can custom build your RV insurance to fit our coverage needs.

Remember, these are large vehicles that can cause major injuries and significant damage to other vehicles and property in an accident.

Consider that if you buy a new RV costing anywhere from $25,000 to over $300,000 and have not purchased full replacement cost coverage, you can get stuck with significant costs if your RV is totaled in an accident, or worst — totals someone.