208-609-3511 daniel@bittickinsurance.com

RV insurance is a specialized policy designed for motorhomes, travel trailers, fifth wheels, and camper vans, covering risks that a standard auto policy leaves out, including your personal belongings inside the rig, attached accessories, and liability when you're parked and living out of the vehicle. If you're based in the Treasure Valley and heading out on Highway 55 toward McCall, cutting across to the Sawtooths, or pulling a fifth wheel down I-84 for a longer run, a purpose-built RV policy is the right tool for the trip. Bittick is an independent agency, so we shop your coverage across multiple carriers and match the policy to your rig, your travel habits, and your budget.

What this coverage includes

Physical damage to your rig

This covers repair or replacement costs when your RV or motorhome is damaged in a collision, fire, hail, or other covered event. RV windshields deserve special attention here: replacing the oversized glass on a Class A motorhome or a large travel trailer is expensive, and it often requires a specialized supplier. A good policy covers glass damage without requiring you to pull from your savings. Collision and comprehensive coverage on an RV works similarly to auto, but the repair costs and replacement values are substantially higher.

Personal belongings inside the vehicle

Standard auto insurance does not cover the gear, electronics, clothing, or kitchen equipment you haul inside your RV. An RV policy adds coverage specifically for personal property, and you can often set a limit that reflects what you're actually carrying. If you travel with expensive photography equipment, outdoor gear, or full-season provisions, it's worth inventorying what's in the rig and making sure your personal property limit matches reality.

Vacation liability

When your RV is parked at a campsite and becomes your temporary home, you have liability exposure that a car insurance policy was never built to address. Vacation liability covers you if a visitor is injured at your campsite or if you accidentally cause property damage while set up at a campground. Think of it as a short-term premises liability, similar to what a homeowner's policy provides, but portable and attached to where you're staying.

Attached accessories and specialty equipment

Awnings, satellite dishes, exterior cameras, and propane systems are expensive to replace and often excluded from basic coverage unless specifically listed. Many RV policies include a defined allowance for attached accessories so you are not left paying out of pocket for gear that is physically part of the rig. If you've added aftermarket upgrades, talk through those specifics when you shop the policy.

Roadside assistance and trip interruption

A breakdown in a 30-foot motorhome on a remote stretch of highway is a different situation than a flat tire in a sedan. Roadside assistance for an RV needs to account for large-vehicle towing. Some policies also include trip interruption benefits, covering a rental vehicle or lodging if your rig becomes unusable mid-trip, so a mechanical failure in, say, the Oregon high desert doesn't strand your whole vacation.

Pairs well with

Auto Insurance

If you tow a trailer or camper with a personal vehicle, your auto policy handles liability while the rig is in motion, but it needs to coordinate properly with your RV policy. Gaps between the two can leave you exposed.

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Homeowners or Renters Insurance

Your home policy may extend some personal property coverage to items in your RV while it's parked at home, but that extension typically does not follow you on the road. Coordinating both policies ensures no overlap and no gap.

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Umbrella Insurance

A personal umbrella policy adds a layer of liability coverage above the limits on your auto and RV policies. If a serious accident or campsite injury results in a large claim, an umbrella absorbs what the underlying policy cannot.

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Boat or Watercraft Insurance

Many RV travelers also tow a boat or personal watercraft. A separate watercraft policy covers the vessel itself and liability on the water, which your RV policy does not.

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What this coverage protects against

Common risks and how this coverage addresses them. Tap any scenario to expand.

  • Coverage when a rock chip turns into a full windshield replacement.

    The risk

    You're running northbound on Highway 55 toward McCall when a chip from a passing gravel truck spiders across the full width of your motorhome windshield. The glass on a Class A is a specialty order, not an off-the-shelf part, and the replacement quote comes in at over two thousand dollars.

    How this coverage helps

    Comprehensive coverage on your RV policy covers the windshield replacement, minus your deductible. Because the policy was written for an RV rather than a passenger car, the payout accounts for the actual cost of large-format RV glass and specialty installation.

  • Protection after a neighbor's child is hurt at your campsite.

    The risk

    You're set up for a long weekend at a campground along the Boise River. A neighbor's child comes over to visit and trips over your trailer hitch, cutting their leg badly enough to need urgent care. The parents look to you to cover the medical bills.

    How this coverage helps

    Vacation liability coverage, a feature specific to RV policies, responds to exactly this situation. It covers medical expenses and legal liability that arise while your RV is being used as a temporary residence, the way a homeowner's policy would cover an incident at your house.

  • Reimbursement when photography gear is stolen from a parked camper.

    The risk

    You left your camera bag, a laptop, and a pair of binoculars inside your travel trailer overnight at a campground. Someone broke the door latch and took the bag. The gear totals around three thousand dollars.

    How this coverage helps

    The personal property coverage on your RV policy covers belongings inside the vehicle up to the limit you set when you bought the policy. If you travel with expensive equipment, it's worth reviewing that limit before the season starts rather than after a claim.

  • Help when an uninsured driver rear-ends your trailer at a rest stop.

    The risk

    You pull into a rest area off I-84 east of Boise. While you're inside, a driver backs into your trailer hitch assembly and crumples the rear panel, then drives off without leaving information. Witnesses confirm the other vehicle's plates, but the owner carries no insurance.

    How this coverage helps

    Uninsured motorist coverage on your RV policy steps in when the at-fault driver can't pay. It covers the repair costs that the other driver should have been responsible for, so the accident doesn't become your financial problem.

  • Trip interruption when your motorhome breaks down far from home.

    The risk

    You're three hundred miles into a two-week trip through the Oregon coast when your motorhome's engine throws a fault code that requires a week at a repair shop. You're not near a campground you've reserved, and towing a full-size motorhome is not cheap.

    How this coverage helps

    A policy with trip interruption and roadside assistance benefits covers the large-vehicle tow and contributes to lodging or a rental while the rig is being repaired. You continue the trip or wait in reasonable comfort, rather than scrambling to cover unexpected costs out of pocket.

  • Coverage for an awning destroyed by a windstorm.

    The risk

    A late-afternoon windstorm rolls through a high-desert campsite in southern Idaho and tears your slide-out awning completely off the mounting brackets. The awning is bent beyond repair and the brackets need replacement before the slide will operate safely again.

    How this coverage helps

    Attached accessories coverage handles the awning and its hardware as part of the RV policy, rather than treating the loss as ordinary collision damage or leaving it unaddressed. Many policies carry a specific allowance for awnings because this is a common and predictable loss.

  • Replacement cost coverage when a totaled trailer is worth more than its book value.

    The risk

    You've put significant money into upgrades on a five-year-old travel trailer: a new mattress system, a solar panel array, and a custom storage setup. After a serious accident, the adjuster's actual cash value figure is well below what it would cost to replace what you had.

    How this coverage helps

    A replacement cost endorsement on your RV policy pays based on what it costs to replace the rig and its features, not what the market says a five-year-old trailer is worth. That gap between book value and real replacement cost is exactly what the endorsement is designed to close.

Frequently asked questions

Do I need separate RV insurance, or does my auto policy cover my motorhome?
Your personal auto policy covers a motorhome while it's being driven in the most basic sense, but it does not cover the contents inside, attached accessories, or liability when the RV is parked and serving as living quarters. A dedicated RV policy fills those gaps. If you're towing a travel trailer rather than driving a motorhome, your auto policy typically covers liability while towing, but the trailer itself needs its own coverage for physical damage.
How much does RV insurance cost in Idaho?
Premiums vary based on the type of RV, its age and value, how often and how far you travel, your driving history, and the limits you choose. A basic policy on an older travel trailer will cost considerably less than a full-coverage policy on a new Class A motorhome with replacement cost and high personal property limits. Bittick shops across multiple carriers to find the right balance of coverage and cost for your specific rig and travel habits.
Does RV insurance cover my belongings inside the camper?
Yes, most RV policies include a personal property limit for belongings inside the vehicle, which is coverage your auto insurance does not provide. That limit is something you set when you buy the policy, so it's worth thinking through what you typically carry before you finalize the coverage amount. Electronics, outdoor gear, and kitchen equipment add up quickly.
Is my RV covered when it's parked at home and not in use?
Comprehensive coverage on your RV policy covers non-driving risks like theft, fire, hail, and vandalism whether the rig is on the road or stored at home. Some homeowners policies extend limited coverage to a vehicle parked on the property, but that extension is narrow and typically does not cover the contents. A standalone RV policy gives you consistent, clearly defined coverage year-round.
Do you write RV insurance for part-time or occasional travelers, not just full-timers?
Yes. Most of our RV clients use their rigs seasonally or for occasional trips, not full-time living. Policy options exist for both use cases, and occasional-use policies are generally priced lower than full-timer policies. Bittick serves clients in Idaho, Texas, and across CA, CO, NV, OR, VA, and WA, so if your travels take you across state lines, we can make sure the policy travels with you.

Get an RV insurance quote from an independent agency

Tell us about your rig and how you use it, and we'll come back with options from multiple carriers so you can make an informed decision.

Don't like forms? Contact us at 208-609-3511 or email us.