Arizona Recreational Vehicle Insurance

Class A, B, and C motorhomes, travel trailers, fifth wheels, toy haulers, pop-ups, and camper vans. We match coverage to how you camp or travel.

Many owners select higher limits than the state minimums to protect assets. Ask about split vs combined single limit and umbrella options.

Yes—lienholders usually require comprehensive and collision. Consider total loss replacement or agreed value for newer or customized rigs.

Personal effects coverage can protect belongings like clothing and camping gear. Home policies may have limited off-premises coverage—ask us to compare.

Often yes—RV-specific towing, tire, and mobile tech support can pay for itself quickly on long trips.

Pricing varies by rig type, value, usage, garaging ZIP, and driving record. We compare multiple carriers to find a fit.

Multi-policy, claims-free, paid-in-full, safety courses, original owner, and storage discounts may apply. See options on our Arizona Insurance page.

Usually—bundles can reduce total cost and simplify billing. We’ll price scenarios both ways.

Yes—seasonal storage, annual miles, and full-time status influence premiums. Accurate usage helps avoid overpaying.

Right-size comp/collision deductibles, add storage periods, and apply eligible discounts. Our Quote Checklist helps you prepare.

Motorhomes insure the vehicle itself; towables insure the trailer while liability follows the towing vehicle. We align both to avoid gaps.

Full-timer packages add higher liability and extra protections similar to homeowners coverage. Tell us if the RV is your primary residence.

Yes—toy haulers and utility trailers may need scheduled coverage. We can add listed items or separate policies as needed.

Many insurers require a Mexico endorsement or a separate Mexico policy. Plan ahead before crossing.

Custom parts and equipment can be scheduled. Keep receipts and photos so we can set agreed or stated values.

ACV pays market value less depreciation; agreed value pays the amount listed on the policy. Newer rigs may qualify for total loss replacement.

Comprehensive covers non-collision losses like theft or hail; collision covers impact with vehicles or objects. Deductibles apply to each.

Those are typically comprehensive claims. We’ll help file and coordinate repairs or settlement.

Often within minutes during business hours—email or text. See our online helper to jump-start.

If your RV causes damage, your liability may respond. If the park is responsible, their policy may apply. Document the scene and call us.

If the state requires SR22 for your license, we can help—filed on your auto policy in most cases. See our SR22 guide for details.

We’ll map a reinstatement plan, confirm filing requirements, and discuss non-owner or interim options where appropriate.

Highly recommended—UM/UIM can help if you’re hit by an uninsured or low-limit driver. Limits should mirror your liability where possible.

Arizona follows auto liability minimums; many RV owners choose higher limits due to vehicle size and value.

Personal policies often exclude rentals. Ask about commercial endorsements or specialty rental programs before you list the RV.

Some carriers allow storage or lay-up options that lower cost while maintaining comprehensive coverage.

Provide lender name and address and we’ll update your declarations and ID cards for park or storage requirements.

Yes—monthly, quarterly, or paid-in-full billing with autopay is available with most carriers.

Start your new policy first, then cancel the old one after ID cards are issued. Our checklist helps with timing.

Call or use our online helper for quick delivery by email or text—handy for parks, storage, and lienholders.