Recreational Vehicle Insurance

Coverage That Protects Your Adventures

RV Coverage Explained Simply

Recreational vehicles offer freedom, flexibility, and a chance to explore on your own terms, but they also come with unique insurance needs that standard auto policies often do not fully address. At DRD Insurance, we help RV owners secure recreational vehicle insurance designed to protect both the vehicle and the lifestyle that comes with it. Whether you own a motorhome, travel trailer, fifth wheel, camper van, or pop-up trailer, having the right coverage is essential for protecting your investment and your peace of mind. Recreational vehicle insurance can include liability protection, collision and comprehensive coverage, uninsured motorist coverage, and optional enhancements tailored to how and where you travel. Some RVs are used occasionally for weekend trips, while others serve as seasonal or full-time residences, and coverage should reflect those differences. Our role is to help you understand what your policy covers while driving, parked, or stored, and how personal belongings and attached equipment may be protected. As an independent insurance agency, DRD Insurance works with multiple carriers that specialize in recreational vehicle coverage, allowing us to compare options and pricing. We take the time to explain deductibles, coverage limits, and policy exclusions so you can make informed decisions without confusion. Whether you are new to RV ownership or upgrading to a larger vehicle, we help you build insurance coverage that supports safe, worry-free travel wherever the road takes you.

Insurance Built for RVs, Trailers, and More

Motorhome and Trailer Coverage

Recreational vehicle insurance provides protection for motorhomes, travel trailers, fifth wheels, and campers, covering physical damage and liability risks associated with both driving and stationary use.

Personal Property and Equipment Protection

Policies can include coverage for personal belongings, attached equipment, and accessories commonly carried in RVs, helping protect items beyond the vehicle itself.

Full-Time and Seasonal Use Options

Coverage can be tailored for occasional trips, extended travel, or full-time RV living, ensuring your policy aligns with how often and how long your vehicle is used.

Flexible Policies for How You Travel

At DRD Insurance, we recognize that recreational vehicles blur the line between transportation and living space. Our approach begins by understanding how you use your RV, where you travel, and what level of protection makes sense for your situation. Because we are an independent insurance agency, we can compare recreational vehicle insurance options from multiple carriers instead of forcing your coverage into a standard auto policy that may leave important gaps. We explain how liability coverage applies when driving versus parked, how comprehensive coverage protects against theft or weather damage, and what options are available for personal property and extended stays. Our team stays informed about carrier requirements, RV classifications, and claims considerations so we can provide accurate, practical guidance. If your RV is damaged, stolen, or involved in an accident, we help you navigate the claims process and understand next steps. Over time, we review coverage as vehicles change, travel habits evolve, or new equipment is added. This proactive, relationship-driven approach allows our clients to enjoy their RVs with confidence. At DRD Insurance, recreational vehicle insurance is not treated as a generic add-on—it is carefully structured coverage designed to protect your freedom, flexibility, and investment on the road.