RV Insurance
RV Insurance with Downtown Insurance Group
Protect Your Adventure—On the Road and Off
Owning an RV is more than just owning a vehicle, it’s owning a lifestyle of freedom and exploration. Whether you use your RV for weekend getaways or live in it full-time, having the right insurance coverage is essential to protect your investment and your journey.
At Downtown Insurance Group, our independent agents help you navigate the road to the right RV insurance policy. We shop across multiple top-rated insurance providers to ensure you get tailored coverage at a competitive price.
Understanding RV Insurance Coverage
RV insurance combines elements of auto and homeowners’ insurance—because your RV is both a vehicle and a home-on-wheels. Here are the most common types of coverage you should consider:
Liability Coverage
- Required by law in most states
- Covers damage or injury you cause to others while operating your RV
Comprehensive & Collision Coverage
- Covers damage to your RV from accidents, theft, weather, vandalism, or animals
- Collision covers accidents—whether it’s your fault or not
Personal Belongings Coverage
- Protects personal items inside your RV (electronics, clothing, kitchenware, etc.)
- Especially important for full-timers
Vacation Liability
- Provides liability protection when your RV is parked at a campsite or RV park
- Great for those who use their RV as a temporary residence
Full-Timer’s Liability
- Acts like homeowner’s liability coverage for people living in their RV full-time
Choosing the Right RV Policy for Your Needs
There’s no one-size-fits-all policy when it comes to RV insurance. Whether you own a Class A motorhome, a travel trailer, or a fifth-wheel, our agents help you determine the coverage that fits your lifestyle and how you use your RV.
We’ll walk you through:
- Your RV type and value
- How often you travel
- Whether you live in your RV full-time or use it recreationally
- Your personal property and liability needs
The Independent Advantage
As an independent agency, Downtown Insurance Group works for you, not a single insurance company. We provide:
- Customized quotes from multiple top-rated RV insurers
- Objective advice on coverage options and limits
- Exclusive access to discounts for bundling, safe driving, anti-theft devices, and more
Optional Add-Ons and Specialized Coverage
Depending on how and where you use your RV, you might consider extra coverage for added protection:
- Roadside Assistance – For breakdowns, towing, or fuel delivery
- Emergency Expense Coverage – Helps with lodging or travel if your RV is unusable
- Total Loss Replacement – Replaces a totaled RV with a brand-new model
- Pet Injury Coverage – Covers vet expenses if your pet is injured in an accident
- Accessory Coverage – Protects awnings, satellite dishes, solar panels, and more
Ready to Hit the Road with Confidence?
From weekend warriors to full-time RVers, Downtown Insurance Group is your partner in protection. Let us help you find the right RV insurance policy—so you can focus on enjoying the open road.
📞 Contact us today for a free, no-obligation RV insurance quote from multiple top providers.