Personal Coverage

RV, Trailer & Toy Hauler Insurance

Go wherever you want, whenever you want!

RV & Travel Trailer Insurance Coverage Options

Recreational vehicles and travel trailers make it easy to go wherever you want, whenever you want. Adventure awaits! They are a great investment but accidents so protecting your investment – and yourself – with optimal insurance coverage is important. Protecting you and finding the best insurance coverage at a great price is our priority which is why we offer enhanced Motorized RV and Towable RV insurance policies in most states.

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Stated Value Loss

Stated Value Loss coverage is a predetermined, stated amount that you will receive to replace your RV in the event that it is totaled. The amount is based upon replacing your old RV with a comparably-equipped RV rather than using “Actual Cash Value” at the time of loss. (NOTE: Coverage availability may vary by state and vehicle value.)


Replacement Cost Personal Effects

Most RVs have many valuable personal items inside. Replacement Cost Personal Effects coverage reimburses you for the value of personal items inside your RV that are lost or damaged as the result of a covered loss.

*Depending on the state in which the RV is rated, insurance policies automatically include $5,000 worth of Replacement Cost Personal Effects coverage.

*Additional limits of coverage are available up to $100,000.

Vacation Liability

Vacation Liability coverage protects you in the event that bodily injury or property damage losses occur at your vacation site. Policies generally include $10,000 of Vacation Liability Coverage.

Emergency Expense Coverage

Emergency Expense coverage pays you for expenses including hotels and transportation that arise as the result of a covered loss.

Special Windshield Deductible

Special Windshield Deductible coverage protects you from having to pay for RV windshield repair. There will be no charge for RV windshield repair and a $50 fee for RV windshield replacement.

Medical Payments Coverage for RVs

Depending on the type of RV you are insuring, you will have 1 of 2 types of medical payment coverage:

  • TYPE 1: Recreational Vehicle Medical Payments Coverage: This type of coverage pays for the cost of any necessary medical treatment related to a covered loss that occurs while your RV is parked off public roads and is being used as a temporary dwelling or for recreational purposes at an insured location. Insured locations are defined as:
    • A campsite or parking site rented or owned by the customer.
    • Vacant property rented or owned by the customer.
    • A radius of 25 feet around the vehicle when parked off public roads and legally on public or private property.
  • TYPE 2: Medical Payments Coverage: This type of coverage pays for the cost of any necessary medical treatment that is necessary as a result of a covered loss from an RV accident, regardless of fault. This coverage applies only to motor homes, not travel trailers.

Motorized Recreational Vehicle Insurance

Get the most enjoyment possible from your recreational motorized vehicle and/or travel trailer and experience the peace of mind that you are protected with proper insurance coverage. We insure:

  • Type A motorhomes
  • Type B motorhomes (van campers)
  • Type C motorhomes (mini motor homes)
  • Sport Utility Recreational Vehicles


Travel Trailer Insurance

Travel trailers come in many sizes and types and we can get you the best rates on insurance for all types of towable RVs and travel trailers, including:  

  • Conventional travel trailers
  • Fifth-wheel travel trailers
  • Travel trailers with expandable ends
  • folding camper trailers and truck campers
  • Toy Hauler Trailers
  • Toy Hauler Fifth Wheels
Our Experience

Our Experience

We not only focus on General Contracting, but also have experience in Heavy Grade Engineering such as bridges, steel work, grading, and underground work. Our wide range of experience in the various facets of construction insurance has allowed us to create a stable and responsive approach to this class of business and produce many long-term relationships with our business partners. Our goal at RRM is to have you succeed, because your success is our success. Whether it is a new risk reduction solution or negotiating an amendment for your policy, you can always find RRM in your corner fighting for you.


Our Solutions

With modern day solutions to everyday problems, we offer:

Proof Of Insurance

24/7 digital proofs of insurance through our online portal. `

Risk Management Materials

We provide Posters, Brochures and Infographics for the workplace to create a culture of safety.

Apply Online

Online quick apply small contract bonds for up to $400,000

Great Support

Unwavering employees, dedicated to helping you find a unique solution to your problem.

Our Beliefs

Our Beliefs

We believe while 21st digital solutions make workplaces efficient and quick paced; but some projects require a human interaction that cannot be replaced by a digital portal. We pride ourselves on our staunch dedicated staff who are always looking to help your business and create solutions that solve your needs, because we understand that your needs are unique. At RRM we believe your more than just another number in our book, you’re a business partner, one we know we can keep for life.


Our Team Strives to Improve Our Processes and Services Every Day

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Contact Us for more information from one of our team members or to get a free quote now.

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When we started our business we had no idea the covereage we needed. The team at RRM helped us find the right coverage and continue to provide excellent support. We love working with them and recommend them to everyone!

Scott Cain Rhino Scooters

When all was said and done it was clear that Jerry and RRM was the right choice for us. I’m grateful to have an agent that is in my corner and is always there to answer questions and solve problems.  I have and will refer friends and family to Jerry and RRM Insurance Services, they get my highest recommendation.

-Anthony N.

I am a small commercial contractor and they have helped us walk through the bonding processes. They have been very respectful, welling to answer all of our questions, and provided great advice. The best part is that we have been able to do several public projects that require a bid bond and then a performance bond. They are really responsive and provide great service. I have no concerns giving them 5 stars and recommending them.

Rusty Riggs

It’s always a pleasure contacting Jerry Morris with RRM Insurance Services. For any insurance need we have, Jerry has always taken care of it swiftly and effectively. He has always provided sound advice and ensures to get us the best value and savings possible!

Vivian Solorio, CFO