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RV Insurance

RV insurance is a specialized type of insurance for your home-on-the-road. RV insurance can protect your motor home, travel trailer, camper, and even your horse trailer. It requires its own special kind of insurance because it covers many risks such as personal belongings coverage, total replacement coverage, and coverage for full-timers.

Custom build your own RV insurance policy. You can choose a basic policy or add fully-loaded coverages depending on how many items you want to insure (i.e. furniture, television, etc.) or how often you use your vehicle. 

Let Alliances Insurance Agency help you find the right amount of coverage to suit your insurance needs.

Call us today at (610) 816-0043

What our clients say

Highly Recommend

“My wife and I had State Farm for years and kept paying the increased rates every year until we met Kevin at Alliances Agency. He shopped out multiple options and made sure we had the right amount of coverage at an affordable rate. I would highly recommend this company!”

– Josh C.

Basic RV Insurance covers:

Bodily injury liability


Comprehensive (AKA Other than collision)

Uninsured motorist

Underinsured motorist

Medical payments

Optional RV insurance coverage can add:

Roadside assistance

Towing and labor

Safety glass replacement

Replacement cost and  scheduled personal effects

Vacation liability


This is coverage that pays a claim for injury to the other party and/or damage to their vehicle when you are determined to be at fault in an accident.

The specific amount of coverage varies from one to another but is usually expressed in a three-number sequence that looks like this: 25,000/50,000/25,000.


The three-number sequence refers to the following:


Bodily injury: $25,000 for injury or death to one person as a result of an auto accident.


Bodily injury: $50,000 for injury or death to more than one person as a result of an auto accident.


Property damage: $25,000 to cover damage to the other driver’s vehicle

Though each state establishes liability coverage minimums, it’s generally better to go with higher amounts. This will that offer you greater protection in an at-fault accident, and the cost of higher liability coverage is often relatively slight.

Canceling your RV Insurance during the off season means your RV won’t be covered if anything happens to it while in storage. An option to help deter cost is to pay for comprehensive insurance while it is in storage.

Yes, this is called personal effects coverage, and some carriers include up to $3,000 in personal effects coverage at no charge, provided comprehensive coverage is purchased. You will always have the option to buy additional personal effects coverage to meet your needs. Personal effects coverage protects non-permanently attached assets within an RV like jewelry, personal electronics, clothing, etc.

The cost of RV Insurance depends on a multitude of factors, including:


  • Your state of residence
  • Your personal driving record
  • The value of your RV
  • The value of the contents within the RV
  • How much you use the RV (full-time, seasonally for travel, only occasionally, or not at all)
  • The age of the RV
  • Class of vehicle you are driving (Class A, B, C)