RV Insurance in Baltimore, MD

Given their distinct features, RVs require robust insurance coverage to help safeguard you against potential financial losses. Our agents at Stastny Insurance Agency are here to help you get tailored yet affordable financial protection.

How Does RV Insurance Work?

To insure your motorhome, camper or trailer, you must choose coverage options—such as liability, collision, and comprehensive—based on your specific needs and usage. Once you’ve reviewed quotes and selected a policy, maintaining active coverage requires paying regular premiums.

In the event of an accident, damage or theft, you’ll need to contact your insurance provider to file a claim. The insurer will then evaluate the claim based on your policy’s terms, including any applicable deductibles and coverage limits, to determine eligibility and payout.

What Do RV Policies Cover?

While the specifics of what RV insurance covers can vary between policies, it may include the following:

• Liability coverage may help pay for injuries or property damage you cause to others in an accident involving your RV.

• Collision coverage may cover repair costs if your RV is damaged in a collision with another vehicle or object.

• Comprehensive coverage may offer financial protection against non-collision-related events such as theft, vandalism, fire, or natural disasters.

• Medical payments coverage may cover medical expenses for you and your passengers if injured in an accident, regardless of who is at fault.

• Uninsured/underinsured motorist coverage may help pay for injuries if you’re involved in an accident caused by a driver with little or no insurance.

• Full-time RV insurance may provide additional liability and personal property protection for those who use their RV as a primary residence.

• Personal property and attachments coverage may help replace or repair personal belongings and attached equipment (like awnings or satellite dishes) if they’re stolen or damaged.

Additional coverage options could include assistance for roadside emergencies, rental car expenses and emergency hotel stays.

How Much Is RV Insurance?

RV insurance costs may vary based on your RV type, preferred coverage options and driving history, among other factors. Contact Stastny Insurance Agency today to learn how you can get the right insurance coverage your RV needs.