RV Insurance - Because Home Is Where You Park It
No flights to book, no rental car lines, no hotel check-ins - when you own an RV or travel trailer, you simply pack up and go. The Fortis Insurance offers specialized RV and travel trailer insurance designed to protect you, your vehicle, and your belongings wherever the road takes you, at a rate that fits your budget.
RV owners face a distinct set of risks that standard auto insurance was never built to address - from personal belongings stored inside the vehicle to liability exposure at a campsite. That's why a dedicated RV policy matters: it's coverage shaped around life on the road, not an afterthought bolted onto a car insurance policy.
Enhanced RV Coverages
RVers encounter situations unique to life on the road, which is why The Fortis Insurance offers an enhanced coverage package for both motorized and towable RVs in most states. These enhancements go beyond standard auto-style protection to address the realities of RV ownership.
Total Loss Replacement
If your RV is totaled within its first four model years, this coverage provides a new, comparably-equipped replacement rather than a depreciated payout. For RVs in their fifth through seventh model years, the settlement is the higher of actual cash value at the time of loss or the original documented purchase price. After the seventh model year, settlement reverts to actual cash value. Availability may vary by state and vehicle value.
Replacement Cost Personal Effects
Covers the replacement cost of personal items inside your RV following a covered loss. A base amount - $1,000 or $5,000 depending on the state where your RV is rated - is automatically included at no additional cost alongside comprehensive and collision coverage. Additional limits up to $100,000 are available for an added premium.
Vacation Liability
Covers bodily injury and property damage claims that occur at your vacation site - such as a campground or RV park. $10,000 of vacation liability coverage is automatically included at no extra cost alongside comprehensive and collision coverage.
Emergency Expense Coverage
Helps cover the cost of hotels and alternate transportation if a covered loss leaves you stranded away from home. $1,000 of emergency expense coverage is automatically included alongside comprehensive and collision coverage.
Special Windshield Deductible
RV windshield repairs are covered with no out-of-pocket cost, and full windshield replacement carries just a $50 deductible - a meaningful savings compared to standard auto glass coverage.
Medical Payments Coverage for RVs
RVs can require a different approach to medical payments coverage than a standard vehicle, since they're often used as temporary dwellings rather than purely for transportation. Two distinct types of coverage may apply, depending on your specific RV.
Recreational Vehicle Medical Payments Coverage
Pays for necessary medical treatment when an injury occurs while your RV is parked off public roads and being used as a temporary dwelling or for recreational purposes at an insured location.
What Counts as an Insured Location
- A campsite or parking site you rent or own
- Vacant property you rent or own
- A 25-foot radius around your vehicle when parked off public roads on legally accessible public or private property
Standard Medical Payments Coverage
Pays for necessary medical treatment resulting from an RV accident, regardless of fault. This coverage applies to motorhomes but does not extend to travel trailers, since travel trailers are towed rather than independently operated vehicles.
Motorized RVs We Cover
The Fortis Insurance provides coverage for a full range of motorized recreational vehicles, recognizing that no two RVs - or RV owners - are exactly alike.
Type A Motorhomes
The largest class of motorhome, built on a heavy-duty chassis and offering the most spacious interior layouts for full-time or extended travel.
Type B Motorhomes (Van Campers)
Compact, van-based motorhomes that offer maneuverability and efficiency while still providing essential living amenities for shorter trips or minimalist travel.
Type C Motorhomes (Mini Motorhomes)
Built on a truck or van chassis with a distinctive over-cab sleeping area, offering a middle ground between the size of a Type A and the agility of a Type B.
Sport Utility Recreational Vehicles
RVs designed with built-in garage space for hauling motorcycles, ATVs, or other recreational equipment alongside standard living quarters.
Travel Trailer Insurance
Towable RVs require coverage just as much as motorized ones - and The Fortis Insurance protects a wide variety of trailer types for owners who prefer to tow their home-away-from-home behind a separate vehicle.
Travel Trailer Types We Cover
- Conventional travel trailers
- Fifth-wheel travel trailers
- Travel trailers with expandable ends
- Folding camper trailers and truck campers
- Toy haulers used to transport motorcycles or ATVs
Whether you're towing a compact pop-up camper or a full-size fifth-wheel loaded with recreational gear, coverage can be tailored to the specific trailer type and how you use it.
Frequently Asked Questions
Hit the road prepared
WHEREVER THE ROAD LEADS - RIDE WITH THE RIGHT COVERAGE.
From motorhomes to toy haulers, The Fortis Insurance offers RV and travel trailer coverage built for life on the road. Get a personalized quote and protect your home-away-from-home before your next adventure.
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