Embracing an outdoor lifestyle comes with a lot of adventure, but it’s more enjoyable when your recreational vehicle is properly insured. From boats and trailers to motorcycles and ATVs, RVs have different insurance requirements than other vehicles. Before hitting the road, it’s important to understand your specific needs in order to secure the right insurance policy.

At Doeren Mayhew Insurance Group, we deliver peace of mind through customized insurance solutions. Our insurance coverage offerings ensure that your recreational vehicles are covered in the event of damage, theft, personal injury, total loss, or other liabilities.

Read on to learn more about insurance for recreational vehicles, what it covers, and who needs it.

What is Recreational Vehicle Insurance?

This type of personal insurance coverage protects your financial health should your RV get damaged or stolen. When designing your policy, the size of your vehicle will be considered. In fact, RVs fall into one of three size-dependent categories:

Class A

Up to 33 feet long and 13.5 feet high (i.e., motorhomes)

Class B

Up to 20 feet long and 8 feet high with no cabinet or motor (i.e., camper vans)

Class C

Up to 28 feet long and 10 feet high (i.e., fifth wheelers)

What Does it Cover?

Your custom quote will be based on the class of your recreational vehicle to provide optimal coverage. Standard policies will cover repairs and protect you against liability. Specific coverage terms may include the following:

  • Uninsured/underinsured motorist coverage
  • Medical payments
  • Replacement costs of equipment and personal items
  • Emergency roadside assistance
  • Property damage
  • Collision damage

Additionally, if your RV is considered your primary residence, some insurance companies may provide “full-timer” coverage, which typically covers personal liability, medical payments, and loss coverage. While very similar to a homeowners insurance policy, it will also help cover costs related to medical emergencies for individuals who experience injuries in — or in close proximity to — your RV.


Yes, just as with any other type of vehicle on the road, states require drivers to carry liability insurance for recreational vehicles. These liability requirements will typically be the same as the state minimum for regular vehicles.

With the advancements that have been made in RVs in recent years, some of these vehicles are hundreds of thousands of dollars. Be sure that you are insuring your RV to its full replacement cost value, including the cost of any after-market equipment that you may have added to the vehicle.

You are not required to carry insurance for a trailer like you would need for an RV. But, if you have any sort of financing on that trailer, then your lender would typically require that you carry physical damage coverage.

How We Can Help

Whether you’re a full-timer, snowbird, or simply love a good outdoor adventure, you’ll enjoy your recreational vehicles with a customized insurance policy designed just for you.  At Doeren Mayhew Insurance Group, we guide our clients in understanding their options in insuring their specialty vehicles. Schedule a consultation with one of our trusted agents to discuss your unique needs and interests ahead of securing cost-effective RV insurance today.