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RV & motorhome insurance in WA & FL

Motorhome, travel trailer, or fifth wheel — get coverage that protects the vehicle, everything inside it, and you as a part-time or full-time RVer. Compare specialist RV carriers with Maru.

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An RV is two things at once: a vehicle and, for many owners, a home. That's why a proper RV policy blends auto-style liability and collision with home-style protection for the contents, attached accessories, and even full-timer liability if you live in it. Whether you tow a travel trailer to the Olympic Peninsula or snowbird a Class A down to the Keys, Maru compares dedicated RV carriers so you're not underinsured by a bare-bones auto add-on.

Quick take: Motorized RVs (Class A, B, C) need their own auto liability and must be insured to drive in both states. Towable RVs (travel trailers, fifth wheels) borrow liability from the tow vehicle while moving — but that leaves the trailer itself, and everything in it, exposed unless you add physical-damage and contents coverage.

Motorized vs. towable — different coverage needs

How coverage differs by RV type
CoverageMotorhome (A/B/C)Travel trailer / fifth wheel
Liability on the roadIts own auto liability policyExtends from the tow vehicle
Collision & comprehensiveOn the motorhome itselfAdd physical-damage coverage for the trailer
Contents & personal belongingsAdd-on, often $5k–$15k+Add-on — important, trailers carry a lot
Full-timer liabilityYes, if it's your residenceYes, if it's your residence
Roadside / emergency lodgingRV-specific towing & hotel costsAvailable

Part-time vs. full-time RVers

If you live in your RV more than about five months a year, you're a “full-timer” in carrier terms, and you need full-timer liability — essentially the homeowners-style personal liability you'd lose by not having a house. Weekend and seasonal RVers can often suspend collision during storage months to save money. Washington owners commonly winterize and lay up; Florida snowbirds need to think about hurricane season storage and where the rig sits from June through November.

Protecting the investment

New RVs depreciate fast, so we help newer-unit owners look at total-loss replacement or purchase-price coverage rather than plain actual cash value. We also make sure attached accessories — awnings, satellite domes, solar, hitches — and the belongings inside are scheduled to real values. Bundling the RV with your home and auto usually unlocks a multi-policy discount that offsets much of the added protection.

Frequently asked questions

Do I need separate insurance for a travel trailer?
Your tow vehicle's liability follows the trailer while you're driving, so you're legal to tow. But that liability does nothing for damage to the trailer itself or the belongings inside — a fire, theft, or storm loss. A trailer policy adds physical-damage and contents coverage plus liability for when it's parked and occupied.
What is full-timer coverage?
If your RV is your primary residence, full-timer coverage adds the personal-liability and medical protection you'd normally get from a homeowners policy — covering incidents at your campsite and away from the rig. It's essential for anyone who has given up a fixed home to travel.
Can I lay up my RV in the off-season?
Usually yes. Many carriers let you suspend collision and liability during documented storage months while keeping comprehensive (fire, theft, storm) active, which trims premium for seasonal Washington and snowbird Florida owners without leaving the rig unprotected in the yard.
Will insurance replace a new RV at full value?
On newer units, many carriers offer total-loss replacement or original-purchase-price coverage for the first few model years, so a total loss pays for a comparable new RV rather than a depreciated figure. We'll flag which carriers offer it for your model year.
Vadim, licensed insurance advisor at Maru Insurance
Vadim — Maru Insurance
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (License #22261820) representing multiple A-rated carriers across Washington and Florida.

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