RV Insurance
Coverage for wherever the journey takes you.
An RV can be a vehicle, a vacation home, or sometimes a little bit of both. That means protecting one isn’t always as simple as adding another vehicle to your auto policy.
Based in Albuquerque, Western Assurance Associates serves clients throughout New Mexico, Texas, Colorado, and Arizona. Our team can help you understand the coverage available for motorhomes, travel trailers, fifth wheels, and other recreational vehicles. Whether you’re taking weekend trips or spending months on the road, we’ll help you explore coverage that fits how you actually use your RV.
What kind of RV do you own?
Motorhomes
Class A, B, and C motorhomes that combine transportation and living space.
Travel Trailers & Fifth Wheels
Towable RVs that can have coverage designed for the trailer, equipment, and belongings you take along.
Other Towable RVs
Pop-up campers, folding trailers, and other recreational trailers may also have specialty insurance options.
Not sure how your RV is classified?
We can help you figure that out. Contact us today.
What can RV insurance help protect?
RV insurance can combine vehicle protection with coverage designed around the way you travel and use your RV. Exact protection will depend on your RV type, selected coverages, limits, deductibles, and policy terms.
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For motorized RVs, helps protect you if you’re legally responsible for injuries to another person or damage to someone else’s property in an accident.
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Helps pay to repair or replace your RV after a covered collision, subject to your deductible and policy limits.
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Helps protect you when you’re involved in a covered accident with a driver who has no insurance or not enough insurance to cover the loss.
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Comprehensive Coverage Helps protect your RV from covered non-collision losses such as theft, vandalism, hail, fire, and certain other events.
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Depending on the policy, can help with services such as towing, battery assistance, flat tires, lockouts, or other roadside emergencies.
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Depending on the policy, coverage may help protect certain personal belongings you keep inside your RV.
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Depending on the policy, coverage may help with certain temporary lodging or transportation expenses after a covered loss while you’re traveling.
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Depending on the policy, coverage may help protect you from certain liability claims that occur while your RV is being used as a temporary residence.
Motorhome or towable. Does insurance work the same way?
Not exactly.
Motorhomes are both vehicles and living spaces, while travel trailers and fifth wheels are pulled by another vehicle. That difference can affect how liability, physical damage, and other coverages apply.
We’ll help you understand how the coverage fits your entire setup.
Weekend trips or extended travel?
How you use your RV matters.
Someone who takes a travel trailer out a few weekends each year may have different needs from someone who spends months traveling or uses an RV as a primary residence.
Tell us how you use yours so we can help you explore the right options.
What affects the cost of RV insurance?
Your premium can depend on the RV’s type and value, how it’s used, where it’s stored, your driving history, coverage limits, deductibles, and other rating factors.
A small travel trailer and a Class A motorhome present very different risks, so there isn’t one policy or price that fits every RV owner.
Coverage for the RV.
Guidance for the journey.
Your RV should be something you enjoy—not another complicated insurance decision. At Western Assurance Associates, we’ll take the time to understand what you own, how you use it, and where your travels take you, then help you explore coverage that fits.