RV Insurance
RV Insurance with LINDAN Insurance
Your Home on the Road Needs Specialized Protection.
An RV is more than just a vehicle—it’s a major investment, a mode of transportation, and often a home away from home. Standard auto or homeowners policies are simply not enough to cover the unique risks associated with owning and using a motorhome, travel trailer, fifth wheel, or camper. RV insurance is a specialized agreement that protects your investment, your family, and your liability, whether you’re on a weekend trip or living life on the open road.
Why Choose LINDAN Insurance for Your RV Coverage?
Your insurance needs depend entirely on the type of RV you own (Class A motorhome vs. small travel trailer) and how often you use it (full-time resident vs. recreational). As your independent agents, LINDAN Insurance excels at finding coverage tailored to your unique RV lifestyle.
Here are the LINDAN advantages:
The Independent Agent Advantage: LINDAN Insurance is an independent agency. We do not work for one carrier; we work for you. We partner with specialized RV insurance providers who understand the unique risks involved. We shop the market to compare rates and coverages, ensuring we find the right carrier that offers the best blend of price and protection for your specific RV type.
Customized Coverage for Every Lifestyle: Whether you are a Full-Time RVer who needs coverage similar to a homeowner, or a Recreational User only taking weekend trips, we tailor the policy to your usage. We ensure your policy includes essential specialty coverage like Vacation Liability and Emergency Expense coverage.
Gap Protection for Total Loss: We can secure policies that include Total Loss Replacement coverage for newer RVs, which pays to replace your lost unit with a brand new, current-model RV, often without depreciation.
Savings and Competitive Rates: By comparing options from multiple RV-focused carriers, we find you the most competitive rate available, and we make sure you receive all eligible discounts, such as those for safe driving records, completing safety courses, and belonging to certain RV associations.
Understanding RV Coverage Components
RV insurance is mandatory for certain types of RVs but highly recommended for all to protect your valuable asset.
| RV Type | Legal Requirement | Recommended Coverage Focus |
| Motorhomes (Class A, B, C) | Mandatory. Because a motorhome is driven and not towed, state law requires you to carry at least the state minimum liability coverage. | Liability, Collision, Comprehensive, and all Specialty Coverages (below). |
| Travel Trailers, Campers, 5th Wheels | Optional. The liability of the towing vehicle’s auto policy usually extends to the attached trailer for accidents. | Comprehensive and Collision are essential, especially if financed. Specialty Coverages (below) are highly recommended. |
Essential Specialty RV Coverages
Unlike standard auto insurance, RV policies must account for the fact that your RV contains a living space. We ensure your coverage extends to these vital areas:
Personal Effects/Contents Coverage: Covers the personal belongings inside your RV (clothing, kitchenware, electronics) that are usually excluded or limited under a standard auto policy.
Vacation Liability: Provides liability coverage while your RV is parked and being used as a temporary residence at a campsite or park. This protects you if someone is injured in or around your parked RV.
Emergency Expense Coverage: Pays for expenses like temporary lodging and transportation if your RV becomes uninhabitable due to a covered loss more than 50 miles from your home.
Campsite and Full-Timer Liability: Critical for those who use their RV as a primary residence, this provides protection similar to a homeowner’s liability policy.
Awning & Custom Equipment: Coverage specifically for physical damage to non-standard items like awnings, antennas, solar panels, and custom paintwork.