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Personal Insurance

Motor Home Insurance

Coverage scoped to how you actually use your motor home, including broader liability and personal property protection for extended or full-time use.

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What it covers

  • Liability for injuries or damage while driving
  • Physical damage coverage for the motor home itself
  • Personal property coverage for belongings kept inside
  • Vacation liability coverage while the motor home is parked and used as temporary living quarters

What it doesn't cover

  • Extended or full-time living use, without an upgraded policy built for that
  • Coverage during a lapse in the policy
  • Commercial use, such as renting the motor home out
  • Modifications not disclosed on the policy

Who needs this

Any motor home owner, and especially anyone spending extended periods living in it, since standard occasional-use policies often don't provide adequate liability coverage for that.

From our horror stories

The Motor Home That Doubled as a Second Home

A couple spends several months a year living in their motor home, and discovers their standard RV policy was never built for that kind of use.

Read the full story →
Common questions

Motor Home Insurance FAQ

What if I only use my motor home a few weeks a year?

Standard motor home coverage is likely sufficient for occasional recreational use. The gap shows up specifically with extended or full-time living.

Does this cover my belongings inside the motor home?

Yes, typically, though confirm the coverage limit matches what you actually keep inside, especially for extended trips.

What's different about full-time use coverage?

It includes broader liability protections closer to a homeowners policy, since extended occupancy creates more personal liability exposure than occasional recreational use.

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