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Protect your motorhome, travel trailer, fifth wheel, or camper with coverage built for your adventures, from weekend trips to full-time living.
Licensed in PA, TX, VA, MD, OH, TN & KY only. Quotes available for these states.
Quick Answer
Coverage for injuries or damage to others.
Repairs after accidents.
Theft, fire, and weather losses.
Coverage for belongings inside the RV.
Liability while parked and used as a residence.
Towing and emergency services.
Coverage for custom conversion builds like cabinetry, solar panels, and roof lifts.
Locks in a fixed payout for high-value coaches instead of depreciated actual cash value.
Why You Need It
RV insurance protects your vehicle, your belongings, and your liability while you're on the road or parked. From accidents to unexpected damages, the right coverage keeps your travels worry-free.
Weekend travelers with older RVs.
Frequent road trippers.
Full-time RV owners.
RV type
Motorhomes cost more than travel trailers.
Usage
Full-time use requires more coverage.
Location
Weather and theft rates affect pricing.
Claims history
Prior losses can increase premium.
Storage location
Storing your RV in a covered facility during the off-season can lower premiums, with discounts of 25 to 53% noted in Progressive rate guidance.
Yes. Personal effects coverage protects items stored in the RV.
Yes. Roadside coverage can be added for towing and support.
Motorhomes typically require liability coverage like autos.
Yes. Full-timers should consider vacation liability coverage.
Turnaround varies by RV type, usage, and carrier requirements. We will confirm timing after review.
Flood coverage is not included and may need a separate policy.
Yes. We can insure travel trailers and fifth wheels.
Yes. Storage-only coverage can lower premium in the off-season.
The terms are often used interchangeably. A motorhome is a self-propelled RV (Class A, B, or C) and requires its own vehicle policy with state-minimum liability. Travel trailers, fifth wheels, and campers are towed and insured under a separate towable policy. Coverage needs and rates differ by type.
Travel trailer insurance typically ranges from $200 to $800 per year depending on the trailer's value, how often you use it, and your coverage selections. We compare carriers to find the right policy for your situation.
Yes. Class A motorhomes require their own insurance policy similar to a vehicle, typically with higher liability limits due to their size and value. We can compare Class A motorhome policies from multiple carriers across every state we serve.
The best RV insurance depends on your RV type, usage, and budget. Carriers like National General, Progressive, and Foremost are frequently rated well for RV-specific coverage. As an independent agency, Dragon Insurance compares options across multiple carriers, including specialized RV insurers, to find the best fit for your motorhome, travel trailer, or camper.
Camper van insurance covers converted vans used for camping, including Sprinter and Transit builds. It adds coverage for the conversion contents, such as cabinetry, solar panels, and roof lifts, plus campsite liability while parked. Dragon quotes camper van insurance through Progressive and Foremost.
Liability for a toad, the car flat-towed behind a Class A motorhome, is typically covered by your RV policy while in motion. Physical damage to the toad itself requires separate collision and comprehensive coverage under that vehicle's own auto policy. Check both policies to confirm where coverage ends.
Actual cash value (ACV) pays the depreciated market value of your RV at a total loss. Agreed value locks in a fixed payout amount set when the policy starts, with no depreciation applied. Agreed value typically costs 10 to 20% more per year but is worth it for high-value coaches and fully customized fifth wheels, according to Foremost policy guidance.
Your tow vehicle's auto policy covers liability while a travel trailer or fifth wheel is being towed, but it does not cover the trailer's own physical damage, theft, or contents. A separate towable RV policy or trailer rider covers those gaps. Financed trailers require this coverage from the lender.
Yes. Standard RV carriers may quote high premiums or decline older units under actual cash value policies. Agreed value coverage is the better fit for vintage coaches, since you and the insurer agree on the insured value upfront rather than relying on depreciated market value. Foremost and National General both offer agreed value options for vintage motorhomes.
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By RV Type
"RV insurance" covers very different vehicles, and the policy is not the same for each. What you own decides whether you need a full auto policy or only a trailer policy, and whether your tow vehicle is doing part of the work.
| RV type | Needs its own liability? | What matters most |
|---|---|---|
| Class A motorhome | Yes, it is a motor vehicle | High replacement value, agreed value settlement, and full-timer status if you live in it |
| Class B campervan | Yes | Conversion work and custom build-out often need to be declared so they are covered |
| Class C motorhome | Yes | The most common family unit; watch attached awnings and slide-outs |
| Travel trailer / camper | No, your tow vehicle's liability extends while towing | Physical damage on the trailer itself, plus contents, since your auto policy will not repair it |
| Fifth wheel | No, same as a travel trailer | Higher values than most trailers, and often full-time or seasonal living use |
| Toy hauler | No, but the toys need their own coverage | The ATVs, bikes, or watercraft inside are usually not covered by the RV policy |
The point people miss most often: a travel trailer or fifth wheel does not need its own liability, but it absolutely needs its own physical damage. Your auto policy covers the damage the trailer causes, not the damage the trailer suffers. For real numbers by type, see how much RV insurance costs.
After You Buy
RV claims are different from car claims in one important way: the RV is often your accommodation as well as your vehicle. Where you sleep tonight matters as much as the repair.
01
Get safe, then document everything
Photograph the damage from several angles before anything is moved or covered, including the interior and any belongings. If it is water damage, photograph the source and the staining now, because carriers look closely at whether damage built up over time.
02
Report it and ask about lodging
Call the carrier and call us. Ask specifically about emergency expense or lodging coverage, which many RV policies include and most owners never think to claim. If you are far from home, this is the question that matters most in the first hour.
03
Inspection and the settlement basis
An adjuster inspects the unit. This is where agreed value versus actual cash value shows up in real money: agreed value pays the figure set when you bought the policy, while actual cash value subtracts depreciation. It is worth knowing which you have before you need it.
04
Repair and getting back out
RV repair can take longer than auto repair because specialist shops and parts are involved. Keep receipts for anything you spend while the unit is out of service, and ask what your policy reimburses.
Why owners come back to us at renewal
We take the time to explain agreed value, full-timer status, and what your policy does with your belongings, before you buy rather than after a claim. We write RV coverage through Foremost, Progressive, National General, AAA, Safeco, and Liberty Mutual, so when one carrier's appetite or pricing shifts at renewal, we move you instead of leaving you to absorb it. And when something goes wrong on the road, you call a real agency that already knows your policy, not a queue.
Local Coverage
Dragon Insurance Services is a licensed independent RV insurance agency at 1525 Cedar Cliff Dr STE 202, Camp Hill, PA 17011. We help RV owners across Camp Hill, Lemoyne, Harrisburg, Enola, and Cumberland County compare motorhome, travel trailer, and fifth-wheel insurance quotes from 30 plus carriers.
Whether you need full-timer coverage, vacation liability, or storage-only rates for the off-season, we compare carriers to find your best fit across PA, TX, VA, MD, OH, TN, and KY. Call 717-229-5115 or get a quote online.
Locally based in Camp Hill, PA, serving clients across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky.
Living in your RV full time? Full-Time RV Insurance: What Changes When Your RV Is Your Home covers what standard RV policies miss and which carriers write full-timer coverage.
Blog
RV insurance guidance for motorhomes, campers, travel trailers, fifth wheels, and full-time RV living across PA, TX, VA, MD, OH, TN, and KY.
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