RV Insurance in Indiana

Is RV Insurance Required in Indiana?

Motorhomes are driven on public roads, so Indiana requires them to carry the same minimum liability coverage as a car: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Towable RVs such as travel trailers and fifth wheels generally receive liability protection from the tow vehicle's auto policy while attached, but that policy typically does not cover physical damage to the trailer itself. Lenders also usually require physical damage coverage on financed RVs.

What RV Insurance Can Cover

• Liability: Injuries to others and damage to their property when you are at fault.
• Collision and Comprehensive: Repairs after accidents, hail, wind, fire, theft, vandalism, and deer collisions.
• Personal Belongings: Coverage for electronics, camping gear, and household items kept in your RV.
• Vacation Liability: Protection if a guest is injured at your campsite while the RV is parked.
• Emergency Expenses: Lodging and transportation costs if a covered loss happens far from home.
• Roadside Assistance: Towing, tire changes, and help if you break down on the road.
• Total Loss Replacement: Options to replace a newer RV with a comparable new model after a total loss.

Coverage for Full-Time and Seasonal RVers

If you live in your RV for most of the year, full-timer coverage provides liability and personal property protection similar to a homeowners policy. If your RV sits in storage during the Indiana winter, some carriers allow you to adjust coverage for the off-season. We compare RV coverage from carriers such as Progressive and Geico.