RV & Camper Insurance in West Virginia & Ohio
Protect your home away from home.
Whether you have a travel trailer for weekend getaways, a fifth wheel for extended trips, or a motorhome for full-time living, we will find you the right coverage at a competitive price. As an independent agency, we shop multiple carriers to get you the best deal.
Get a Free RV Insurance Quote
Tell us about your RV or camper and we will shop our carriers to find you the best coverage and price.
Or stop by our Point Pleasant office for a quote
RVs & Campers We Insure
From compact pop-up campers to luxurious Class A motorhomes, we can find coverage for almost any recreational vehicle.
Travel Trailers
Bumper-pull trailers from small teardrops to large family trailers
Fifth Wheels
Hitch-in-bed trailers with spacious living areas
Class A Motorhomes
Large, bus-style motorhomes with full amenities
Class B Motorhomes
Camper vans and compact motorhomes
Class C Motorhomes
Mid-size motorhomes built on truck/van chassis
Toy Haulers
Trailers with garage space for ATVs, motorcycles, or gear
Pop-Up Campers
Folding trailers and tent campers
Truck Campers
Slide-in campers for pickup truck beds
What RV Insurance Covers
A comprehensive RV insurance policy protects you, your passengers, and your investment wherever you roam.
Collision Coverage
Accident damage protection
Covers damage to your RV from collisions with other vehicles or objects, whether you are driving or parked. Essential protection for your investment.
Comprehensive Coverage
Non-collision damage
Protects against theft, vandalism, fire, storms, hail, falling objects, and animal damage. Covers your RV whether you are on the road or in storage.
Liability Coverage
Protection when you cause damage
Covers bodily injury and property damage you cause to others while operating your RV. Also provides coverage at campgrounds for accidents on your site.
Personal Belongings
Contents coverage
Covers your personal property inside the RV including furniture, electronics, clothing, and camping gear. Choose coverage limits based on what you carry.
Full-Timer Coverage
For those who live in their RV
Enhanced coverage for RV owners who use their RV as a primary residence. Includes higher personal property limits and homeowner-style liability protection.
Emergency Expenses
Help when you are stranded
Covers lodging, meals, and transportation if your RV becomes uninhabitable due to a covered loss while you are traveling away from home.
Vacation Liability
Campsite protection
Provides liability coverage at your campsite, similar to homeowners insurance. Covers injuries to guests and damage they might cause while visiting your site.
Roadside Assistance
Help on the road
Covers towing, tire changes, lockout service, fuel delivery, and other roadside emergencies. Specialized RV roadside assistance handles larger vehicles.
Why You Need RV Insurance
Your auto insurance only covers liability while towing a travel trailer—it does not cover physical damage to the trailer itself. Motorhomes require their own policy entirely since they are self-propelled vehicles.
A dedicated RV policy protects your investment against theft, storm damage, accidents, and liability claims. It also covers your personal belongings inside and can provide emergency expense coverage if your RV becomes uninhabitable while traveling.
Common RV Claims
- Collision damage while driving or parking
- Hail and storm damage
- Theft from storage or campgrounds
- Water damage and roof leaks
- Awning damage from wind
Protecting Campers Across the Region
Whether you camp at local state parks or travel across the country, our policies provide coverage wherever your adventures take you.
Frequently Asked Questions
How much does RV insurance cost?
RV insurance costs depend on the type, age, and value of your RV, how often you use it, where you store it, and your driving record. Travel trailers typically cost $250-$500 per year to insure, while motorhomes range from $1,000-$2,000 or more annually for comprehensive coverage.
Is RV insurance required in West Virginia?
Motorhomes require liability insurance since they are self-propelled vehicles. Travel trailers and other towable RVs do not legally require insurance in West Virginia, but if you have a loan, your lender will require coverage. Even without a requirement, RV insurance is strongly recommended.
What is the difference between RV insurance and auto insurance?
RV insurance is specifically designed for recreational vehicles and includes coverage options not found in auto policies, such as personal belongings coverage, vacation liability, full-timer coverage, and emergency expense coverage. Motorhomes need their own policy, while travel trailers need separate coverage beyond your auto policy.
Do I need full-timer coverage?
If you live in your RV for more than 6 months per year or use it as your primary residence, you need full-timer coverage. This provides higher personal property limits and liability coverage similar to a homeowners policy. Standard recreational use policies have gaps that could leave full-timers underinsured.
What is agreed value vs. actual cash value for RVs?
Agreed value coverage pays you the full insured amount if your RV is totaled, with no depreciation deducted. Actual cash value pays the current market value at the time of loss, which decreases as your RV ages. Agreed value costs slightly more but is better for newer or well-maintained RVs.
What discounts are available for RV insurance?
Common discounts include bundling with your auto or home insurance, completing an RV safety course, being claim-free, paying annually, having safety features like anti-theft devices, and storing your RV in a secure location. We will help you find all available discounts.
Ready to Protect Your RV?
Get a free quote and see how affordable RV insurance can be. We will shop multiple carriers to find you the best coverage at the best price.
Looking for a different location?
We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV