RV Insurance for Road and Campsite

Black line drawing of a camper van with a roof window and side door.

Adventure ready with RV insurance

Motorhome insurance is different from standard auto. Tate Insurance Group insures Class A, B, and C rigs, fifth wheels, and travel trailers for Smokies weekends and cross-country trips. We make sure the vehicle and the living space are both considered.

Comprehensive coverage for your motorhome or trailer

Choose liability for the road, collision and comprehensive for damage or theft, vacation liability while parked, roadside assistance, and contents coverage for personal items inside. If you tow with a truck, we review auto insurance and trailer needs together for the best fit.

Protect your home on wheels

Full-time RVers may need expanded liability similar to a residence. Seasonal travelers can discuss storage considerations without losing protection for fire or theft. We help set limits for upgrades, solar systems, and attached accessories, and coordinate with homeowners insurance when belongings cross over between home and RV.

Stay Covered Wherever You Go

Frequently Asked Questions About RV Insurance

  • Do I need separate insurance for a travel trailer?

    Your tow vehicle’s liability may extend while towing, but the trailer needs its own coverage for physical damage.

  • Does RV insurance cover my personal belongings inside?

    Yes, within selected limits. Full-timers often choose higher contents protection.

  • Can I reduce coverage in the off-season?

    Storage options exist with some carriers. Keep theft and comprehensive protections active to avoid unexpected losses.

  • Is roadside assistance included?

    It is commonly available as an add-on. We will compare programs and limits by carrier.

  • Can I bundle RV with other policies?

    Yes. Pairing with auto insurance or home can unlock multi-policy savings.