Whether you’re a weekend warrior or a full-time traveler, your RV is more than just a vehicle—it’s your home, your escape, and your adventure base. But insuring it the right way? That’s where most people slip up.
At Twin Peaks Insurance, we specialize in insuring your fun—and that means helping you avoid the mistakes that could leave you underinsured (or not insured at all).
10 Common Mistakes RV Owners Make When Buying Insurance
1. Assuming Your Auto Policy Covers Your RV
Spoiler alert: it doesn’t. Even if your RV is drivable (like a Class A or C), it needs its own separate policy. Towable units like fifth wheels and travel trailers? Those need coverage too—and not just through your tow vehicle.
2. Skipping Full-Timer Coverage
If you live in your RV full time, you’re not just an RVer—you’re a homeowner on wheels. You’ll need coverage that acts more like a homeowners policy than auto insurance.
3. Not Listing Customizations or Add-Ons
Solar panels, upgraded furniture, satellite dishes—if you’ve added it, it should be listed. Otherwise, it may not be covered in a claim.
4. Ignoring Personal Belongings Coverage
Most RV policies don’t automatically cover your laptops, clothes, cookware, and gear. Make sure your policy includes personal effects—or you might have to pay out-of-pocket to replace everything after a loss.
5. Underestimating the RV’s Value
Online tools often lowball your RV’s value. We’ll work with carriers that understand RV pricing and offer options like Total Loss Replacement or Agreed Value—so you’re not left short.
6. Forgetting to Insure the Tow Vehicle
Towing a fifth wheel or trailer? You’ll want a bundled or compatible policy for your truck and RV to avoid gaps—and sometimes get a discount.
7. Skipping Vacation Liability
This protects you if someone gets injured around your RV while you’re parked. It’s a small add-on with big protection.
8. Choosing the Cheapest Policy Instead of the Right One
Saving $100/year isn’t worth it if a claim leaves you out thousands. The right coverage doesn’t have to be expensive—but it does need to fit you.
9. Not Telling Your Agent About LLC Registration
If your RV is registered to a Montana LLC, some carriers will decline coverage. Others (like Progressive) are LLC-friendly—we’ll make sure it’s done right.
10. Not Working with a Specialist
Most insurance agents don’t understand RVs. Our team lives and breathes this stuff. We’re licensed in 40+ states and work with carriers that offer the coverage RVers actually need.
Ready to Insure Your Fun?
We’ve helped thousands of RVers protect what matters most—whether they’re parked, towing, or chasing sunsets full time.
Class A, B, C
Fifth Wheels & Travel Trailers
Toy Haulers, Bus Conversions, and More
Bundle Options Available