Summer is here, and for millions of Americans, that means one thing: it's time to hitch up and head out. RV sales have surged in recent years, and with you rolling out of the driveway in motorhomes, travel trailers, and camper vans, now is the perfect time to make sure your coverage is road-ready. I know I am doing the same thing and reviewing my coverage too.

RV Insurance Is Not a One-Size-Fits-All Product

The first conversation to have with RV-ownership is simple: your auto policy isn't enough. A standard personal auto policy covers a motorhome only while it's being driven — it won't cover personal belongings inside, attached accessories, or liability while the unit is parked and being used as a residence. Travel trailers and fifth wheels require a separate policy entirely; they're excluded from auto policies while stationary.

Key Coverages to we Review

1. Comprehensive and Collision — Covers physical damage to the unit from accidents, theft, weather events, and more.
2. Total Loss Replacement — Especially valuable for newer units; replaces the RV with a comparable model rather than paying out depreciated value.
3. Personal Effects Coverage — Protects clothing, electronics, camping gear, and other belongings stored in or around the RV.
4. Vacation Liability — Extends liability protection when the RV is parked and serving as a temporary residence.
5. Emergency Expense Coverage — Helps with lodging and transportation costs if the RV becomes uninhabitable due to a covered loss.
6. Roadside Assistance — Critical for large, specialized vehicles that standard roadside plans may not accommodate.

A Seasonal Reminder Worth Sending

Consider using the start of camping season as a natural touchpoint to review your policy. A quick check-in — especially for those of you who recently purchased or upgraded your rig — we can uncover coverage gaps and open the door to a meaningful policy review.

The open road is calling. Let me help you answer questions with the right protection in place.