Recreational Vehicle Insurance

A piece of home on the road, your recreational vehicle (RV) deserves to be financially protected. At Deale & Associates Insurance Agency in Annapolis, Maryland, we are committed to delivering tailored coverage for your RV adventures.

What Is RV Insurance?

RV insurance is a contractual policy that assists you through financial losses related to owning and operating a recreational vehicle. This coverage offers significant economic protection against unforeseen events. Typical coverage areas include the following:

• Physical damage coverage may financially protect the RV from collisions, vandalism and weather-related damage.   
• Liability coverage may protect the owner from losses if they are responsible for causing bodily injury or property damage to others while operating the RV.   
• Personal property coverage may offer reimbursement for belongings inside the RV that are damaged or stolen.  
• Medical payments coverage may assist with health care costs if policyholders or passengers are injured in an accident, regardless of who was at fault. 
• Uninsured/underinsured motorist coverage may help RV owners recoup losses if another party is at fault but lacks adequate insurance. 

What Qualifies as an RV?

For insurance purposes, an RV is any motorized or towable vehicle designed for leisure travel or camping with living quarters. Common types include the following:

• Motorhomes:
  • Class A—large, bus-like RVs with luxury features
  • Class B—compact camper vans with basic amenities
  • Class C—mid-sized RVs with an over-the-cab sleeping area
• Towable RVs:
  • Travel trailers that vary in size and are towed
  • Fifth-wheel trailers that require a special truck hitch
  • Pop-up campers
  • Toy haulers
  • Truck campers attach to a pickup truck bed

Special cases like converted buses or custom RVs may also qualify, depending on the insurer's guidelines. However, vehicles like cars, trucks and mobile homes do not qualify as RVs for insurance purposes. Understanding these classifications helps in choosing the right insurance coverage for your vehicle.

Get Insured Today

Contact Deale & Associates Insurance Agency to explore your options and get a tailored quote. We are also licensed in Virginia, Delaware and Florida.