RV Insurance in Maryland
Coverage for the Journey Ahead
An RV is more than just a vehicle — it’s a home on wheels. Whether you’re exploring Eastern Shore campgrounds, traveling cross-country, or enjoying seasonal trips, RV insurance helps protect both your vehicle and the life you carry with you. At Simpson & Blom Insurance, we understand the unique needs of RV owners and tailor coverage to fit how — and how often — you use your RV.
What Does RV Insurance Cover?
Liability Coverage
Required for motorized RVs in Maryland, liability coverage protects you if you cause injury or property damage while driving your RV.
Collision & Comprehensive Coverage
Helps repair or replace your RV after an accident, theft, storm damage, vandalism, or animal collisions.
Personal Belongings Coverage
Protects appliances, electronics, furniture, and personal items inside your RV — coverage not included in standard auto policies.
Vacation Liability
Provides liability protection while your RV is parked and being used as a temporary residence at a campground.
Emergency Expense Coverage
Helps cover lodging, meals, or travel costs if your RV is damaged during a trip and becomes temporarily unusable.
RV Insurance Requirements in Maryland
Motorized RVs, such as motorhomes, must meet Maryland auto insurance requirements when on the road. Towable RVs (like travel trailers and campers) may not be legally required to carry insurance, but coverage is still strongly recommended to protect your investment and liability exposure.
Our team helps clarify what’s required — and what’s smart — based on your RV type.
Tailored Coverage for Your RV Lifestyle
RV insurance isn’t one-size-fits-all. Your usage plays a major role in choosing the right protection.
Considerations we review:
- Full-time vs. seasonal RV living
- Motorhome vs. towable trailer
- Travel distance and frequency
- Storage location when not in use
- Bundling options with auto or umbrella insurance
Bundling RV coverage with other policies can often simplify management and reduce overall cost.
Common Questions About RV Insurance
Do I need special insurance for an RV in Maryland?
Yes — RVs require coverage beyond standard auto insurance, especially for contents, vacation liability, and living expenses.
What does RV insurance cover for motorhomes?
It typically includes liability, collision, comprehensive, personal belongings, and travel-related protections.
Is RV insurance expensive?
Costs vary by RV type, usage, and coverage levels. Many policies are surprisingly affordable.
Can RV insurance cover full-time living?
Yes — full-time RVers often need enhanced coverage, which we can help arrange.