If you own a recreational vehicle—such as a motorhome or camper, or other recreational assets like motorcycles, boats, ATVs, or snowmobiles—it’s important to know that your standard auto or homeowners insurance likely won’t cover it. To financially protect your investment and stay legally compliant, you’ll need a separate RV insurance policy tailored to your specific vehicle and usage.

At Ludovissy and Associates, we specialize in helping Dubuque, Iowa, residents find the right insurance coverage for all types of recreational vehicles. We aim to ensure you’re covered on the road, water or trail without overpaying. Contact us today to explore your options.

What Does RV Insurance Include?

RV insurance provides protection tailored to both driving and property-related risks associated with your recreational vehicle. Key types of coverage include:

• Liability insurance can cover damage you cause to others when you’re at fault in an accident.

• Bodily injury liability can pay for medical expenses or fatalities of others involved.

• Property damage liability can cover damage to another person’s property, such as their vehicle.

• Collision insurance—This can pay for repairs to your RV after an accident, regardless of fault.

• Comprehensive insurance can cover non-collision-related damage, such as from weather, theft or vandalism.

• Medical payments coverage can pay for medical expenses for you and your passengers after an accident.

• Uninsured/underinsured motorist coverage can protect you if you’re hit by an at-fault driver who lacks sufficient insurance.

• Campsite and vacation liability can cover incidents while using your RV as a temporary home.

• Full-time RV insurance is designed for those who live in their RV year-round and can offer more extensive protection.

Is It Required?

Insurance may be legally required depending on your vehicle type and where you live, especially for RVs and motorcycles. Our agents can help you understand your obligations.

Cost Factors

Insurance premiums depend on several factors, including your vehicle’s type and value, your location, your driving history and the level of coverage you choose.

For a personalized RV insurance quote and expert advice, reach out to Ludovissy and Associates. Contact us today to learn more.