RV, Travel Trailer & Toy Hauler Insurance

RV & Travel Trailer Insurance Coverage Options

Who needs the hassle of booking flights, lining up rental cars, and hotels? You've got an RV or travel trailer which means you just pick up and go! Reliable Risk Management offers specialized RV insurance or travel trailer insurance to help protect you and your belongings.
RVers encounter situations that are unique to life on the road. So with that in mind, Reliable Risk Management offers enhanced Motorized RV and Towable RV insurance policy in most states. These enhanced recreational vehicle insurance coverages may include:

Stated Value Loss

Provides you with a stated amount, this way you can replace your RV with a new, comparably-equipped RV if your RV is totaled. This settlement differs from actual cash value at the time of loss. (Coverage availability may vary by state and vehicle value.)

Replacement Cost Personal Effects

Pays for the replacement of your personal items in your RV that resulted from a covered loss. $5,000 of Replacement Cost Personal Effects coverage is automatically included with Comprehensive and Collision coverage depending upon the state in which the RV is rated. Additional limits of coverage are available up to $100,000.

Vacation Liability

Pays for Bodily Injury and Property Damage losses that occur at your vacation site. $10,000 of Vacation Liability coverage.

Emergency Expense Coverage

Pays your expenses for hotels and transportation due to a covered loss.

Special Windshield Deductible

Charges nothing for RV windshield repair, and $50 for RV windshield replacement.

Medical Payments Coverage for RVs

There are 2 types of medical payments coverage that can apply to RVs. The types available depend on the type of RV you are insuring.

  • Recreational Vehicle Medical Payments Coverage - pays the cost of necessary medical treatment caused while the RV is parked off public roads and being used as a temporary dwelling or for recreational purposes at an insured location. An insured location is 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
  • Medical Payments Coverage – pays the cost of necessary medical treatment caused in an RV accident, regardless of fault. This coverage would apply to motor homes but not travel trailers.

Reliable Risk Management can insure motorized recreational vehicles including Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes), as well as sport utility recreational vehicles.

Travel Trailer Insurance
Reliable Risk Management also provides insurance coverage for 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

Why Trust Us

Reliable Risk Managements industry knowledge while matching or outdoing the competition, is not why you should trust us. Reliable Risk Management instead prides itself on its attention to service. With a small team specializing and providing outstanding assistance is what we do. Get in touch with us today to review your policy!



8655 East Vía de Ventura Ste G-255, Scottsdale, AZ 85258


Monday – Friday: 8:30AM – 4:30PM