Personal Insurance
Understand what your homeowners policy does and doesn't do for an RV.
Coverage for motorhomes, travel trailers, and campers, separate from what a homeowners or auto policy typically addresses.
No obligation. Starting a review does not change or bind any coverage.
What's going on
Whether an RV, travel trailer, or camper is covered by an existing policy depends heavily on the vehicle and how it's used, and people often assume more coverage exists than actually does. If you own or are buying an RV of any kind, it's worth understanding what a dedicated RV policy typically covers before you're relying on it.
Why it matters
A motorized RV generally needs its own auto-type liability coverage, similar to a car, since a standard auto policy usually doesn't extend to it. A towable trailer or camper may have some liability coverage while attached to a covered tow vehicle, but that typically doesn't extend to the trailer's contents or to time spent parked at a campsite. A dedicated RV policy is generally built to address these situations more completely than piecing together homeowners and auto coverage.
Things worth considering
Points we would talk through with you. Which of them apply depends on your situation, and what you do about them is your decision.
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Is your RV motorized or towable?
This distinction affects what kind of coverage applies. A motorized RV typically needs its own liability coverage; a towable unit's coverage depends more on how it's insured relative to your tow vehicle.
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Does your policy cover the RV while parked at a campsite?
Some coverage that applies while towing or driving doesn't extend to time spent parked and in use as a temporary residence. It's worth asking specifically about this.
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What about the belongings you keep inside it?
Personal property kept in the RV, such as furnishings or equipment, may need to be addressed separately from the vehicle itself.
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Do you use the RV full-time or seasonally?
How often and how you use the RV can affect what coverage options are available and worth considering.
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Does the policy include roadside assistance or towing?
This can matter given the distances an RV may travel. It's worth confirming whether it's included or available as an add-on.
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Have you made modifications or added attached equipment?
Awnings, satellite equipment, or other permanently attached additions may need to be reflected in the coverage.
Information on this website is general in nature and is not a complete description of any insurance policy or every coverage option that may be available. Coverage availability, terms, conditions, limits and exclusions vary by insurer, policy and individual circumstances. The issued insurance policy and applicable endorsements control coverage. Beacon Point Insurance Group may provide information regarding available insurance options and discuss coverage considerations based on information you provide, but customers are responsible for selecting the carrier, coverages, limits and deductibles they wish to purchase. No insurance coverage is bound, changed, or canceled through this website unless confirmed by Beacon Point Insurance Group or the applicable insurer.
How this tends to come up
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Assuming an auto policy covered the RV
A Kansas City metro family bought a motorized RV and assumed their existing auto policy would extend to it the way it did their car. It didn't, which came up before their first road trip.
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A towable camper parked at a campsite
An Independence couple towed a camper to a campground for a weekend and later asked whether their coverage applied while it was parked and they were using it as a temporary living space, separate from the drive there.
We Learn. We Compare. We Explain. You Decide.
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We Learn
We ask questions about your situation and the insurance you currently carry.
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We Compare
Based on the information you provide, we can obtain and compare available options from the insurance companies we represent.
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We Explain
We help you understand important differences in coverage, limits, deductibles, policy terms, and price.
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You Decide
You select the company, coverages, limits, deductibles, and options you want to purchase.
What working with us is like
The part people tend to mention is that someone explained it and then let them decide.
More personal coverage
Let's find the options that work for you.
No obligation. Starting a review does not change or bind any coverage.