Princess Anne Office

30386 Mt. Vernon Road

Princess Anne, MD 21853

RV Insurance

What Makes RV Insurance Unique?

It's more than a car and not quite a house, but no matter if it is an RV, Motorhome, or Trailer you are looking to insure, our Agents here at Landmark Insurance & Financial Group are here to find you the specialized protection for your home away from home. 

Collision and road emergencies are definite risks to insure against, But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability and other disasters.

Due to these risks, having RV Insurance is like having two policies in one: it protects your vehicle like an auto insurance policy and it also protects your living area like a home insurance policy.

Insurance for motor homes is specially designed to protect people that travel. And because your vehicle is usually larger than others, you should have greater liability coverage than with a standard auto policy, only one of many important coverage options you should consider.

Who Needs Motorhome/RV Insurance?

There are several classes of recreational vehicles and they each need special insurance:

  • Class A covers RVs built like large commercial buses. This kind of RV is complete and contains everything you need. Some of these homes are very expensive, costing up hundreds of thousands of dollars.
  • Class B vehicles resemble vans, but have taller ceilings so you can stand up inside. They also have a longer wheelbase to accommodate the weight and additional room they provide.
  • Class C vehicles are large vehicles made from trucks or vans.

Fifth-wheel trailers like larger homes on wheels are specifically made for pulling on the highway and camping or long-term use.

  • Toy haulers - Vehicles that typically fully contain ‘toys’ such as snowmobiles and dirt bikes.
  • Horse trailers -Especially those with sleeper units.
  • Pop up campers - Can be collapsed for easy storage and transport.
  • All terrain vehicles -ATVs including three- and four-wheelers.

Options For Your RV Insurance Policy

When you insure your RV, you might want to consider these important options:

  • Insurance for full-time RVers
  • Camper liability — since you are responsible for what happens inside your mobile home and the lot or camp site it’s parked on (just like your house.)
  • Extra bodily and property damage liability is not uncommon, especially if you have an expensive and large RV.
  • 24 hour roadside assistance is a worthwhile feature that could really save you time and money even if you only use it once. And if you never need it, what peace of mind!
  • Emergency expense money
  • Total loss coverage
  • RV contents coverage
  • Insurance for any ATVs you may be towing, both for damage they may sustain being towed or being driven.