Adventure Meets Peace of Mind with RV Insurance
As a motorhome owner, it's your castle on wheels. And just like any other home, it needs to be properly covered with motorhome insurance. We will walk you through your options and help you protect your investment.
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A Vehicle And A Home At The Same Time
A motorhome carries two kinds of risk. Auto policies tend to stop at the driver's seat. Home policies stay behind at the house. Peachy's motorhome coverage is written to respond to both sides.
EMERGENCY EXPENSE
Helps with lodging and transportation if a covered loss strands you far from home.
PERSONAL PROPERTY PROTECTION
Your belongings inside the motorhome can be protected if they’re damaged, lost, or stolen.
TOWED VEHICLE
Coverage that can extend to the car you tow behind you.
Coverage Built For A Coach
Collision
Responds to impact and rollover damage while you are driving or towing.
Comprehensive
Helps with theft, fire, hail, falling limbs, and animal strikes, parked or in transit.
Medical Payments
Pays toward medical expenses for you and your passengers after a covered accident.
Personal Effects
Helps with the clothing, electronics, and gear you keep inside the coach.
Attached Accessories
Responds to damage to awnings, satellite dishes, solar panels, and permanently attached equipment.
Vacation Liability
Liability that can apply while the coach is parked and set up at a campsite.
Emergency Expense
Helps with lodging and transportation if a covered loss leaves you stranded away from home.
Total Loss Replacement
May replace a totaled coach with a comparable new model rather than paying depreciated value.
Towed Vehicle
Coverage that can extend to the car you tow behind the coach.
Roadside Assistance
Emergency service sized for a rig your length and weight, not a sedan.
Storage Period Adjustment
Lets you adjust coverage for the months the coach sits parked instead of on the road.
Uninsured And Underinsured Motorist
Responds when the driver who hits you carries no coverage or not enough of it.
How Much Does Motorhome Insurance Cost?
Motorhome premiums vary more than auto premiums do. A Class B van and a forty foot Class A are priced differently, and so are a weekend traveler and someone who takes longer or more frequent trips. These are some of the factors that move your number.
CLASS AND VALUE
A Class A, Class B, or Class C changes the math, along with the age and value of the coach.
HOW YOU USE IT
Weekend trips, seasonal travel, and frequent use each price differently.
WHERE IT SITS
Storage location and off-season months affect the rate as much as driving does.
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Coverage That Fits How You Travel
A coach used for weekend getaways has different coverage needs than one used for longer seasonal trips. Find yourself below.
Regular trips and more miles throughout the year.
Short trips, long storage stretches, seasonal use.
Months away, two climates, one policy.
New to the class, new to the questions.
A car or trailer follows the coach.
Different builds, different coverage conversations.
Get Your Motorhome Insurance Quote Now
Motorhome Insurance You Can Actually Rely On
We're not just an insurance agent. We're your long-term partner in protecting the things that matter most to your family.
4 Locations, Always Just A Call Away
Our home is the southeast. While we're also licensed in and proudly serve Alabama, Arkansas, and Mississippi, we have four locations throughout Georgia and Tennessee.
Motorhome Insurance Terms, Explained
Get familiar with common motorhome insurance terms and what they mean for your coverage. Understanding these basics can make it easier to compare options and choose the protection that fits your needs.
Actual Cash Value
What the coach is worth today, after depreciation. This is the default valuation on most policies.
Agreed Value
A figure you and the carrier set when the policy starts. It does not drop as the coach ages.
Total Loss Replacement
Replaces a totaled coach with a comparable new model instead of paying depreciated value. Eligibility usually depends on the age of the coach and whether you bought it new.
Vacation Liability
Liability coverage that may apply if someone is injured in or around your motor home while it’s parked at a campsite.
Deductible
What you pay on a covered claim before coverage applies. A higher deductible usually means a lower premium.
Comprehensive And Collision
Collision applies to impact and rollover. Comprehensive applies to most everything else, including theft, fire, hail, falling limbs, and animal strikes.
Attached And Unattached
Attached means bolted or permanently mounted, like an awning or solar panel. Unattached means what you carry in and out. Different coverage applies to each.
Liability Limits
Usually written as three numbers. Bodily injury per person, bodily injury per accident, and property damage per accident.
Lay-Up Period
The months the coach sits parked instead of on the road. Some policies let you adjust coverage during that window.
Simplified Protection Our Hassle-Free Insurance Process
Where Your Peace Of Mind Is Our Priority. We Understand That Finding The Right Insurance Coverage Can Be Overwhelming, Which Is Why.
What Customers Say on Google
Unedited reviews from our Google Business Profile. Read all of them there.
2nd year with Peachy, and they're very client-focused. They reached out to conduct a coverage review, and I spoke with Frankie, who was great at pointing out the pros & cons of different options in a no-pressure approach.
Yumna Ali
Very informative and helpful. Also helped me add an extra service to my new vehicle that will help incase i ever get total out👊🏾
Livingston Lewis
The agent was very helpful and very knowledgeable about my situation and my concerns and took time to explain everything
Lavander Hines
Answers To Important Motorhome Insurance Questions
Here are just some of the most frequently asked questions we receive about motorhome insurance, with some brief answers. Don't see your question answered here? We're only a call away and happy to advise at any time.
