Protecting Your Home on Wheels

The CSRA is perfectly positioned for RV adventures — close to the Blue Ridge Mountains, the Georgia coast, and countless campgrounds throughout the Southeast. But before you hit the road, make sure your RV is properly insured.

Is RV Insurance Required?

If your RV is driven on public roads, both Georgia and South Carolina require at least minimum liability coverage — the same as any motor vehicle. But for most RV owners, minimum liability is woefully inadequate.

Types of RV Insurance Coverage

• Liability — Covers injuries and property damage you cause to others
• Collision — Covers damage to your RV from an accident
• Comprehensive — Covers theft, vandalism, weather damage, and animal strikes
• Personal belongings — Covers contents inside the RV (furniture, electronics, clothing)
• Full-timer's coverage — If you live in your RV, this provides coverage similar to a homeowner's policy
• Vacation liability — Covers injuries at your campsite
• Roadside assistance and towing — Essential for large, heavy RVs

How Much Does RV Insurance Cost?

Costs vary significantly based on RV type:

• Travel trailer: $250–$500/year
• Class C motorhome: $800–$1,500/year
• Class A motorhome: $1,500–$3,500/year
• Fifth wheel: $500–$1,000/year

Money-Saving Tips for RV Owners

1. Bundle with auto and home — Multi-policy discounts apply to RVs too
2. Take an RV safety course — Some carriers offer completion discounts
3. Store properly — Covered or indoor storage can reduce rates
4. Adjust for seasonal use — If you only use your RV seasonally, some carriers offer reduced rates during storage months

Get Your RV Covered

Whether you have a weekend pop-up or a luxury Class A, we'll find the right coverage at the right price. Learn more about RV insurance or get your free quote today.