Get an RV insurance quote and protect your recreational vehicle with customized coverage
Whether you use your recreational vehicle for fun or as a full-time residence — the best RV insurance coverage protects your unique needs. Quote RV insurance online and we’ll help you build a custom policy that covers your motorhome or travel trailer in almost any situation. Get started now and hit the road with confidence.
RV insurance customized to your needs
With a MIAFS RV policy, you and your recreational vehicle have protection wherever your journey takes you — on the road, at a campsite or park, or heading to a vacation destination. MIAFS insures all types of recreational vehicles — even travel and utility trailers. Learn more about some of the coverages available.
- STANDARD RV COVERAGES -
Comprehensive and collision
Comprehensive covers your RV for events beyond your control: theft, vandalism, fire, glass breakage, weather-related incidents, and collisions with animals. Collision will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault. A deductible applies for both comprehensive and collision.
Example: Your travel trailer is damaged by hail while parked at a campsite. Comprehensive pays for the repairs, minus your deductible.
Liability
Pays for damages and/or injuries you cause. Liability coverage is required by law if you drive your motorhome. However, when insuring a travel trailer, you won’t have the option to select liability coverage because your trailer is pulled by a motor vehicle. Just make sure you have liability coverage on the vehicle that tows your travel trailer.
Example: You cause an accident while driving your motorhome, damaging another vehicle and injuring the driver. RV liability insurance pays for the driver’s medical bills and vehicle repairs, up to your policy’s limits.
Uninsured/underinsured motorist (UM/UIM)
If you’re hit by a motorist with no insurance or not enough insurance, UM/UIM can pay for your injuries, damages to your RV, and lost wages if you can’t work.
Example: You’re rear-ended by a driver with no insurance. Your motorhome is damaged and one of your passengers is injured. UM/UIM covers, up to your policy’s limits, the repairs to your RV and your passenger’s medical bills.
Medical payments
Covers medical bills for you and your passengers if you’re in an accident with your motorhome, regardless of fault. Note that medical payments don’t apply to travel trailer policies.
Example: Your spouse is injured in a fender bender while traveling in your motorhome. Medical payments will pay for your spouse’s hospital bills, even if the accident was your fault.
- EXTRA RV COVERAGES -
Roadside assistance
Total loss replacement
Replacement cost/personal effects
Vacation liability
Full timer’s liability
Loss assessment
Emergency expense coverage
Pet injury coverage
Roof Protection
Pest damage protection
With MIAFS, you have options
As your Independent Insurance Agency, we have connections with some of the top rated insurance companies which allows us to find competitive rates and the right coverage for your insurance needs.
We're not bound to a single insurance carrier, we represent you and your specific needs.
Our team of in-house specialists are experts at helping our clients find the right insurance coverage. They’ll help you get a quote with the best coverage for your specific needs..
