RV Coverage Options
Liability Coverage
Idaho requires liability insurance for any RV operated on public roads. Bodily injury and property damage liability protect you financially if you cause an accident. With a vehicle this size, the stakes are higher — a motorhome collision can cause significant damage to other vehicles, property, and people.
Collision & Comprehensive
Collision covers damage from accidents, rollovers, and impacts. Comprehensive protects against theft, vandalism, hail, falling trees, fire, and animal strikes — risks that are very real when you're parked at remote campsites across North Idaho. Both pay to repair or replace your RV up to its agreed or actual cash value.
Personal Belongings & Contents
Your RV carries thousands of dollars in personal property — TVs, laptops, kitchen equipment, outdoor gear, clothing, and furniture. Standard auto policies don't cover any of it. An RV-specific contents endorsement protects everything inside the rig whether you're on the road, at a campground, or parked in storage.
Full-Timer Coverage
If your RV is your primary residence — whether by choice or during a home renovation — standard recreational policies leave major gaps. Full-timer coverage adds liability protection for visitors, medical payments for guests, and personal property limits comparable to a homeowners policy. It's essentially homeowners insurance for your rolling home.
