Recreational Vehicle Insurance
Owning a recreational vehicle (RV), such as a motorhome or camper, means having insurance tailored to your travel and lifestyle needs is essential. McDonald Insurance Group can help RV owners across the United States find coverage that works for you.
Who Needs RV Insurance?
Many states require liability insurance for motorized RVs. Additionally, some parks or campgrounds may ask for proof of coverage, and, if you’ve financed your vehicle, lenders may also have requirements. Even beyond fulfilling formal obligations, insurance can be critical to help manage various risks. RV insurance can benefit:
- Full-time RVers living on the road
- Seasonal travelers taking extended trips
- Weekend users enjoying short getaways
What Does My Policy Cover? 
Common RV insurance coverage options may include the following:
- Comprehensive coverage may compensate for damage from theft, vandalism, fire or severe weather.
- Collision coverage can help pay to repair or replace your RV if it’s damaged in an accident involving other vehicles or stationary objects.
- Personal belongings coverage may apply to items inside your RV, such as electronics, clothing and camping gear.
- Liability coverage can help if you are responsible for someone’s injury or property damage while driving your vehicle.
- Roadside assistance coverage may help with breakdowns, flat tires or towing while you are on the road.
- Vacation liability coverage may help if someone is injured at your campsite or inside your RV.
How Much Does It Cost to Insure My RV?
Pricing may be affected by the following factors:
- Your vehicle type and value
- Frequency of use
- Your location and travel destinations
- Selected coverage options
- State requirements and policy terms
- Driving record
- Claims history
How McDonald Insurance Group Supports RV Owners Nationwide
Our team reviews your travel needs, vehicle details and goals to help you find the right coverage. Contact McDonald Insurance Group today to request a free custom quote.