Your Home Away From Home: Specialized RV and Travel Trailer Insurance

Whether you own a motorhome or pull a fifth-wheel, your RV is a significant investment and an essential part of your lifestyle. Get coverage that protects your vehicle, your contents, and your adventures.

Why Standard Auto or Home Insurance Isn't Enough

A standard auto policy may provide basic liability while driving a motorhome, but it doesn't account for the unique risks of RV life. Your RV is not just a vehicle; it's a living space. You need protection that covers you on the road and while parked.

  • Motorhome (Class A, B, C): Requires specialized coverage that addresses both collision/liability and dwelling exposure.

  • Travel Trailers & Fifth Wheels: Need separate, comprehensive coverage as they are not covered by your auto policy when disconnected, and your homeowners policy has very limited coverage for them.

  • Personal Property Protection: Standard auto policies offer little to no coverage for the contents inside your unit (electronics, furniture, gear, etc.).

Protection for Every Mile and Campground

  • Liability (Motorhomes Only)- Covers bodily injury and property damage expenses if you are at fault in an accident involving your motorhome.

  • Collision & Comprehensive- Pays for physical damage to your RV or trailer resulting from an accident, theft, vandalism, fire, or weather.

  • Personal Effects/Contents- Coverage for the personal property inside your RV or trailer (clothing, electronics, cooking equipment, etc.) against covered losses.

  • Uninsured/Underinsured Motorist- Protects you if you are involved in an accident caused by another driver who has insufficient or no liability insurance.

Coverages Built for the Traveling Lifestyle

  • Total Loss Replacement (New RVs): If your new RV is totaled within the first few years, this coverage pays to replace it with a brand-new, comparable model, not just its depreciated market value.

  • Vacation Liability: Protects you (up to specified limits) if you are held liable for an injury or damage that occurs while your RV is parked and being used as a temporary residence. (Similar to homeowner liability.)

  • Emergency Expense Allowance: Pays for lodging, transportation, and food if your RV is disabled due to a covered loss more than a certain distance from your home.

  • Full-Timer/Permanent Residency Coverage: Essential for those who use their RV as their primary residence, offering broader liability protection similar to a standard homeowners policy.

  • Roadside Assistance: Specialized towing for oversized vehicles, ensuring you don't get stuck waiting for a standard tow truck.

Ready for Your Next Adventure? Get Covered First.

Don't let inadequate coverage spoil your journey. Whether you camp three weekends a year or travel full-time, JC Insurance Collective will build a policy that lets you travel with complete confidence.