Recreational Vehicle Insurance

Recreational Vehicle insurance can protect your motorhome, travel trailer, camper and even your horse trailer. Let Towne Insurance help you select the right coverage for your RV needs and get a great price at the same time.

Towne Insurance is locally operated to handle your insurance needs. We focus on Virginia and North Carolina and offer affordable and reliable insurance choices.


Hit the road with the right coverage.

Like Auto insurance, your Recreational Vehicle coverage is most often made up of the specific options you choose, including:

Liability coverage provides you with bodily injury and property damage coverage. 

You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include: 

  • Stated Value - market value/actual cash value of the RV
  • Agreed Value – the insured amount, regardless of the current market value
  • Replacement Cost – we will replace your insured RV with a new RV that is most like it

Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence.

Personal Effect coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.

Some policies offer Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.

In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.

Discounts can lower your premium. Ask us at Towne Insurance whether you qualify for safe driver discounts, original owner discounts, package discounts and more. Also, you can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars and boats. It will also simplify your life.

Important: This is merely an introduction to complex policy coverages. Be sure to contact Towne Insurance for detailed insurance information.