RV Insurance

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The importance of RV insurance

RV insurance combines vehicle and property insurance to offer coverage both while behind the wheel of your motorhome and while you’re parked at a campsite. There are different coverage options depending on the type or RV you own and how you use it. At Scheff Insurance, we’ll explain your coverage, why it’s important, and help you find great rates by automatically comparing quotes from up to 20 top insurance companies. Contact us or get quotes to get started.

RV Insurance - 2 people in lawn chairs sitting in front of  a class c motorhome


Custom RV insurance plans

Get an insurance plan customized to meet your needs. There are many optional coverages available that may be wise, depending on your needs. We’ll help you figure out what coverage to consider, what it means, and why it’s important.

Auto Liability

Covers bodily injury and/or property damage you cause to another party with your RV.

Collision & Comprehensive

Covers physical damage to your RV caused by a collision or something other than a collision.


Covers bodily injury you sustain in an accident with a driver that has too little or no insurance.

Full-Timer Liability

Provides large personal liability limits to replace those found on a homeowners policy.

Vacation Liability

Covers medical expenses for guests that are injured at your campsite.

Personal Effects

Covers personal property you keep within your RV.

RV Roadside Assistance

Covers towing, fuel delivery, and other emergency assistance if your RV becomes disabled near a road.

And More

There are even more optional coverages that might be right for you.

Common questions

Is RV insurance required in Minnesota?

It depends. If you own a self-powered RV like a motorhome, you’ll need coverage in order to drive on public roads. If you own a trailer, you aren’t required by law to carry insurance. If you have a loan on the trailer, however, your lender will likely require insurance. Regardless of the circumstances, RV coverage is an important part of any insurance plan and should be discussed with a professional.

Protect all you hold dear