RV Insurance

Protection for your recreational vehicle.

RV insurance to suit your lifestyle.

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Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We’ll work with you to make sure owning an RV is a rewarding experience, and also a safe one.

If you have multi-car auto insurance, your policy will not cover your recreational vehicle. To abide by state laws- and protect yourself- you will need to purchase a RV insurance policy.

In Illinois, liability insurance is required for all motor vehicles including recreational vehicles (RVs). However, an RV is a costly and valuable investment. Liability insurance pays claims for bodily injury or property damage to a third party, but it doesn’t offer protection for you beyond that. To protect yourself from the financial burden of paying for repairs or personal medical expenses out of pocket, we at Reliant Agency suggest your purchase comprehensive RV insurance.

What type of RV insurance do you need?

All Illinois RV owners need to have liability coverage, but that is just the minimum requirement. Like general auto insurance, RV liability coverage can pay for third party property damage, medical bills and legal fees if you get into an accident. If you want more coverage, you will need to purchase a more comprehensive policy such as:

  • Collision insurance
  • Personal protection insurance
  • Uninsured coverage
  • Vacation liability coverage
  • Personal effect coverage
  • Roadside assistance
  • GAP insurance
How much does RV insurance cost in Illinois?

Due to the size and nature of recreational vehicles, they can be more expensive to insure than typical automobiles. Policies base your premiums on several factors including:

  • The size of your RV
  • Your driving record
  • Age and condition of your RV
  • How long you have been driving an RV
  • Where you will drive your RV
  • How often you drive your RV
  • The type of coverage you want

The amount of time you drive your RV can have a significant impact on your policy premium cost. Unlike typical auto insurance, RV insurance can be purchased with full-time or part-time coverage. Many RV owners will take their motorhomes on a few trips per year. For the rest of the time, it’s just parked in the street or in a storage facility. If you only drive your RV part-time, you can purchase a “storage option,” which will pause coverage for the months you aren’t using your RV. This RV insurance hack can save you hundreds per year on your premiums!

RV Insurance - Family Camped Outside Talking About the Vacation

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