Your RV Deserves Its Own Coverage — Not a Footnote on Your Auto Policy
One of the most common assumptions we hear: "My car insurance should cover my RV, right?" It doesn't — and finding that out after a claim is the worst possible time. At Crigler Insurance Agency, RV insurance is one of our most-requested personal lines, and we review every policy as a standalone coverage decision, not an afterthought. Whether you're rolling out in a Class A motorhome or towing a travel trailer to the Columbia River, we'll make sure you're covered for the trip.
Why Your Auto Policy Doesn't Cover Your RV
Most standard auto insurance policies won't extend meaningful protection to a motorized RV, and for towable trailers, the gap is even more significant. Your auto policy may provide minimal liability coverage while a trailer is in motion, but it typically won't cover the trailer itself for physical damage, personal belongings inside, or any of the living-space components that make an RV worth owning.
Motorized RVs — Class A, B, and C coaches — need a dedicated recreational vehicle policy that accounts for both the vehicle and the living quarters. Towable trailers, fifth wheels, and pop-up campers require a separate structure entirely. These aren't technicalities buried in fine print. They're real gaps that leave real people without coverage when something goes wrong on the road or at the campsite.
What RV Insurance Actually Covers
A well-structured RV policy is built around how you use your rig, not just how you drive it. Coverage typically includes:
- Collision and comprehensive protection for the RV itself
- Liability coverage for bodily injury or property damage to others
- Personal belongings and equipment stored inside the RV
- Emergency expense coverage if you're stranded far from home
- Vacation liability, which covers incidents at your campsite or temporary site
- Total loss replacement or agreed value options for higher-value units
For travel trailer insurance and towable units, we also look at whether your tow vehicle's policy creates any overlap or leaves any gaps — so the full picture is reviewed together.
Coverage That Matches How You Actually Use It
Most RV owners in the Tri-Cities area aren't on the road year-round. The high desert climate means a lot of rigs spend a portion of the year in storage, and paying full-use premiums during those months doesn't make sense. We factor seasonal usage and storage periods into our coverage recommendations, so you're not overpaying for months when the RV isn't moving.
If you use your RV for extended trips or part-time living, that changes the coverage picture too. Full-timer coverage is a distinct category, and we'll ask the right questions to make sure your policy reflects how you actually travel — not just the minimum required to satisfy a lender or registration.
Motorhomes and Trailers Both Handled In-House
We work with carriers including Travelers, Progressive, and Liberty Mutual to find recreational vehicle liability and physical damage coverage across a range of RV types and budgets. That means we're comparing options on your behalf rather than pushing a single carrier's product.
Our team — JJ, his father, Michelle, and Donna — handles both motorized RV and towable trailer coverage directly. You're not handed off to a call center or a third-party specialist. The same people who answer the phone are the ones who know your policy.
Ready to Get Your RV Covered the Right Way?
We've been helping Tri-Cities families get their recreational vehicles properly covered since 2013, and we know the difference between a policy that checks a box and one that actually holds up when you need it. If you're shopping for new coverage or wondering whether your current policy has any of the gaps described above, we're easy to reach.
RV Insurance Questions We Hear All the Time
Does my auto insurance cover my RV or travel trailer?
Not in any meaningful way. Auto policies may extend limited liability coverage to a trailer while it's being towed, but they don't cover the trailer for physical damage, personal property inside, or campsite incidents. Motorized RVs require a separate recreational vehicle policy entirely.What insurance do I need for a travel trailer?
At minimum, you need physical damage coverage for the trailer itself and liability protection for incidents at your campsite or temporary site. Depending on the trailer's value and how often you use it, you may also want personal belongings coverage and emergency expense protection.Can I get a discount if I only use my RV part of the year?
Yes. Seasonal usage and storage periods are factored into how we structure your policy. If your rig sits in storage for several months, there are coverage options that reflect that — so you're not paying for full road coverage during months you're not traveling.Is motorhome coverage different from travel trailer insurance?
It is. Motorized RVs are treated more like a vehicle combined with a living space, which affects how liability, collision, and personal property coverage are structured. Towable trailers are rated differently and often require a separate policy rather than an endorsement on your auto coverage.Do I need full-timer coverage if I live in my RV part of the year?
If you spend extended periods living in your RV — whether seasonally or full-time — standard RV policies may not be sufficient. Full-timer coverage is a distinct option that more closely resembles a homeowner's policy in how it handles liability and personal property. We'll ask about your usage upfront so the policy fits your situation.