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May 9, 2026
Dedicated RV insurance fills the gap between auto and homeowners policies — covering personal effects, campsite liability, emergency expense, and roadside assistance. Learn state minimums and full-timer options.
An RV is part home, part vehicle, and part lifestyle — and insuring it properly requires a policy that understands all three. Your personal auto policy and your homeowners policy each cover pieces of what you need, but neither is designed for the unique risks of an RV. Dedicated RV insurance fills the gaps with coverage built specifically for motorhomes, travel trailers, fifth wheels, and camper vans.
Dragon Insurance Services helps RV owners across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky find the right coverage for how they use their rig — whether you camp a few weekends a year or live in your RV full-time. Explore our RV insurance coverage options or read on for a full guide.
The type of RV you own significantly affects what coverage you need and what is available:
| RV Type | Coverage Approach |
|---|---|
| Class A Motorhome (large, bus-style) | Requires a dedicated RV / motorhome policy. Treated like a vehicle for liability purposes — must meet state minimum liability requirements when driven on public roads. |
| Class B (camper van, sprinter conversion) | May be insured under a standard auto or specialty RV policy. A dedicated RV policy typically offers better coverage for living quarters and personal effects. |
| Class C Motorhome (cab-over design) | Requires a dedicated RV / motorhome policy, similar to Class A. |
| Travel Trailer or 5th Wheel | A towable RV. Liability while being towed is typically covered by your tow vehicle's auto policy. However, you need a separate trailer policy for physical damage and contents coverage. Specialty RV policies cover all of this together. |
| Pop-Up Camper / Folding Trailer | May have some coverage under homeowners for physical damage — but homeowners policies have strict limits. A dedicated trailer or RV endorsement is more reliable. |
Self-propelled motorhomes (Class A, B, and C) are considered motor vehicles and must carry at least the same liability minimums as any other vehicle in each state. Here are the current state minimums across the states we serve:
| State | Minimum Bodily Injury Liability | Minimum Property Damage |
|---|---|---|
| Pennsylvania | $15,000 / $30,000 | $5,000 |
| Texas | $30,000 / $60,000 | $25,000 |
| Virginia | $30,000 / $60,000 | $20,000 |
| Maryland | $30,000 / $60,000 | $15,000 |
| Ohio | $25,000 / $50,000 | $25,000 |
| Tennessee | $25,000 / $50,000 | $15,000 |
| Kentucky | $25,000 / $50,000 | $10,000 |
Minimums are for motorhomes driven on public roads. Travel trailers do not need separate liability registration since they are covered by the towing vehicle's policy while in transit. State minimums are subject to change — verify with your state's motor vehicle authority.
Collision and Comprehensive
Covers physical damage to your RV from collision with another vehicle or object (collision) and from non-collision events like fire, theft, vandalism, hail, and storm damage (comprehensive). Given the high replacement cost of most motorhomes and fifth wheels, these coverages are essential for most owners — and typically required by lenders if the RV is financed.
Personal Effects and Belongings
Covers clothing, electronics, cookware, bikes, and other personal property stored in your RV — both while traveling and while parked. Standard auto policies do not cover personal effects inside a vehicle; dedicated RV policies include this as a key benefit.
Emergency Expense Coverage
If your RV is damaged in a covered accident while you are traveling and it becomes uninhabitable, emergency expense coverage pays for your hotel and meals while repairs are made — similar to loss of use on a homeowners policy. A practical and often underappreciated benefit for travelers far from home.
Campsite Liability
Covers your liability while you are camped — if a guest is injured at your campsite, your awning collapses on a neighboring camper, or your campfire gets out of control. This coverage bridges the gap between your auto liability (covers you while driving) and a homeowners policy (covers you at your primary residence).
Roadside Assistance and Towing
Covers towing for a large motorhome — which can cost $500–$1,000+ without coverage — plus jump starts, tire changes, fuel delivery, and lockout assistance. Essential for long-distance travelers.
If your RV is your primary residence, standard recreational RV insurance is typically not the right coverage. Full-time RV insurance is a specialty product designed for people who live in their RV for 6+ months per year. It includes:
Tell us when you call how many months per year you live in your RV — this determines which product is appropriate for your situation.
Have your RV details ready (year, make, model, length, MSRP or current value) and tell us how you use it — we can usually get a quote started in one conversation.
Visit us: 1525 Cedar Cliff Dr STE 202, Camp Hill, PA 17011
Serving RV owners across PA, TX, VA, MD, OH, TN, and KY.
Dragon Insurance Services LLC is a licensed independent insurance agency. Motorhome liability insurance is required by law in all 7 states we serve when driven on public roads. State minimum requirements shown are for general motor vehicles and are subject to legislative change. Verify current requirements with your state's motor vehicle authority. Coverage availability, terms, navigational territory, and rates vary by carrier, RV type, use frequency, and individual circumstances. Contact us for a personalized quote.
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