Motor Home & RV

Your local independent agents are ready to help you find the coverage that suits you best.

Whether you’re driving your RV cross-country or parking it at a local campground, be sure you have the right insurance protection. With a custom Auto-Owners insurance policy, you can enjoy time in your motor home, travel trailer or camper knowing you’re covered.

Your independent agent will help you choose the right coverage, so you can be certain that you’re protected. At Auto-Owners, we offer competitive rates and coverages that can be tailored to your specific needs. Find your local independent agent representing Auto-Owners today!



Covers the cost of repairing or replacing your motor home or RV if you’re involved in an accident.


Pays for damages to your motor home or RV caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal, etc.

Bodily Injury Liability and Property Damage Liability

Payment for damages for which you are responsible, such as injury or property damage to others, and also legal defense if you are sued.

Uninsured/Underinsured Motorist

This coverage pays in the event of injury, damage or death caused by someone who does not have insurance coverage or does not have adequate liability limits.

Medical Payments and Personal Injury Protection

These two coverages will pay for medical expenses, hospitalization and rehabilitation expenses resulting from injury to the insured or a passenger.


This will protect any personal property you have or use in conjunction with your motor home or RV.

Road Trouble Service

Lock your keys in the car? Run out of gas? No Problem®! If you’re stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, we will provide the service you need. Customers with this coverage can call us at 1-888-TOW-AOIC (1-888-869-2642) 24 hours a day, 7 days a week, 365 days a year in all 50 states and Canada.


Additional Expense

When you can’t use your motor home or RV due to an accident, the additional expenses can add up fast. This coverage helps pay for a rental motor home or RV. And, if you’re stranded away from home, food, lodging and other incidental expenses will be covered.

Ways to Save

Shopping for insurance also means shopping for discounts. Auto-Owners offers many discounts to ensure you’re protected at an affordable cost.

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Payment History

You may qualify for a discount if you have paid your premiums on time in the past 36 months.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.

Green Discount

When you enroll in paperless billing and pay your policy premiums online, you may qualify for this discount.

Advance Quote

A discount is available for new applicants who request a premium quote prior to the effective date of the policy.

Safety Feature Discounts

You may qualify for this discount if your vehicle is equipped with certain safety features, such as anti-lock brake system (ABS), airbags or anti-theft devices.

Driver Safety Program Discount

If any driver on your policy is over the age of 50 and has received a certificate for a driver safety program established in accordance with local state law, you may be eligible for this discount.

Mature Drivers

Depending on your age and if you have no drivers under the age of 25 on your policy, you may qualify for this discount.


Assuming some of the risk yourself by choosing a higher deductible, may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent