Hit the road protected.
RV coverage made Easy.
Whether you drive a Class A/C motorhome or tow a fifth‑wheel or travel trailer, we’ll help you build a policy that fits how you actually use your RV—seasonally or full‑time.
Get a Quote • Or call (888) 672‑3453
Trusted coverage For Every boating lifestyle.
Why Elite Direct Insurance
At Elite Direct Insurance, we make protecting your RV simple with fast quotes, flexible coverage options, and guidance from specialists who understand life on the road.
Quick Quotes & Bind:
Get covered and on the road faster.
Right‑Sized Coverage:
Motorized and towable options tailored to how you camp.
Real‑World Guidance:
Specialists who understand accident scenarios and campsite risks.
Multi‑Policy Opportunities:
Ask about bundling with boat or other rec vehicles.
Comprehensive protection for your boat, your passengers, and every moment on the water.
RV Coverages at a Glance
Liability
Bodily injury and property damage you’re legally responsible for while operating your motorhome or towing your trailer.
Comprehensive & Collision
Physical damage to your RV from covered incidents (hail, theft, collision, etc.).
Uninsured/
Underinsured Motorist
Helps if another driver lacks adequate insurance.
Medical Payments/Personal Injury Protection
Where available.
Roadside Assistance
Tows, tire changes, jump starts; motorized and towable programs vary.
Vacation Liability / Campsite Liability
Third‑party liability while the RV is parked and used as a temporary residence.
Full‑Timer Coverage
For those who live in their RV as a primary residence (additional liability/property considerations).
Personal Effects & Attached Accessories
Awnings, solar, satellite, decking, generators; set an accurate accessory limit.
Emergency Expense Reimbursement
Lodging/travel after a covered loss away from home.
*Coverages and eligibility vary by state and carrier; we’ll review options with you.
What We Commonly Insure
What determines your Recreational Vehicle insurance cost
What Affects Your Rate?
Several factors determine how much you’ll pay to insure your RV. The type or class of your RV—whether it’s a motorhome, fifth wheel, or travel trailer—plays a major role, as larger and more valuable vehicles typically cost more to cover. Insurers also consider where your RV is stored or garaged, along with how often and how far you travel each year. Your driving and claims history help assess risk and can influence discounts or surcharges. Finally, your chosen coverage limits, deductibles, and whether you live in your RV full-time or use it recreationally all affect your premium.
How It Works
01.
Share the basics – 3‑minute form or a quick call.
02.
We shop – We compare across reputable carriers.
03.
You pick & bind – E‑docs and ID cards delivered fast.