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Picnic in Nature

Recreational Vehicles

If you’re like most people who own a motor home, you invested a lot of time, care, and attention when selecting your motor home. That same degree of time and attention needs to go into finding the right insurance policy to protect your motor home and the precious cargo it carries.

We have served the insurance needs of New Jersey residents for the past five decades and are excited looking ahead to the next five. When it comes to motor home insurance, we understand how important it is to protect your motor home for not only for the investment that it is, but also for the memories that it holds.

It’s this level of personal service from our professional agents that sets us apart from other insurance agency that you might find promising cheap insurance in television ads.

Liability Insurance for Recreational Vehicles

Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.

Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.

What Type of RV/Motor Home Insurance Coverage do You Need?

MRV/Motor Home coverage is important whether you have an RV, travel trailer, or fifth wheel. The way you use your motor home plays a role in the type of coverage you need. For instance, people who live in their motor homes or stay in them for extended periods (we’re talking to you snowbirds) may need something called full time coverage for your motor home.


Almost all motor home owners, though, need the following types of coverage:

  • Bodily Injury/Property Damage Liability

  • Campsite/Vacation Liability

  • Comprehensive and Collision

  • Emergency Expense

  • Fire Department Service Charge

  • Medical Payments

  • Pet Injury

  • Replacement Cost Coverage

  • Replacement Costs (for personal effects)

  • Towing and Roadside Assistance

  • Uninsured/Underinsured Motorist


Keep in mind that your insurance policy for your motor home typically includes coverage for accessories, such as satellite dishes, awnings, and roof-top air conditioners, in addition to personal belongings housed inside of your motor home. Some motor home owners choose optional coverage, such as campsite/vacation liability coverage, that is above and beyond comprehensive coverage.

Why Turn to Us for Your Motor Home Insurance Needs?

In addition to our long history serving insurance needs throughout New Jersey, we also offer outstanding customer service and professionalism. In fact, the tenants of our business are professional agents and personal service. We work with top-rated insurance companies, which enables us to get you the best coverage at the lowest possible cost.

Visit us online today for a free, no obligation quote. If you’re interested in saving even more money, make sure to ask about our package policy discounts. We’re sure you’re going to love how inexpensive our full-coverage policies can be.


Important Notice
Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverage(s). Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. 


What do motor homes, motorcycles, golf carts, ATVs and snowmobiles have in common? All are expensive.

All might be driven by a friend. All can damage property and people, and none is covered by standard automobile or homeowner insurance policies.

In other words, if you want to protect your investment and yourself, recreational vehicle insurance is a must.

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