Coverage Built for Adventure

Recreational vehicles used for personal travel can be insured for up to 250 days a year, giving you the freedom to explore for extended periods without worrying about your coverage. Whether you’re chasing sunshine down south in Arizona or setting up camp under Montana’s big sky, we've got you covered.

Here’s what you can expect from an RV policy:

Liability Coverage

Helps cover costs related to bodily injury or property damage if you’re at fault in an accident. Most policies also include medical payments and protection against uninsured or underinsured drivers.

Comprehensive & Collision Options

You may have choices in how your policy settles a total loss:

• Stated Value – Based on your RV’s market or actual cash value.
• Agreed Value – Pays the pre-agreed insured amount, regardless of depreciation.
• Replacement Cost – Replaces your RV with a similar new one if it's totaled (subject to policy terms).

Added Protection for How You Travel

Vacation Liability

Once you park your RV and use it as a temporary home, this coverage kicks in—protecting you in case of injuries or property damage while parked at a campsite or resort.

Personal Effects Coverage

Covers the loss or damage of your belongings typically kept in your RV—like camping gear, electronics, and kitchen equipment—when you’ve selected physical damage protection.

Roadside Assistance

Many policies offer 24/7 emergency help for breakdowns, towing, flat tires, and more. Some even go a step further with upgrades that reimburse costs for lodging, meals, and alternate transportation if your trip is unexpectedly interrupted.

More Options, More Peace of Mind

Depending on your policy, you may also benefit from:

• Accident forgiveness
• Diminishing deductible
• Physical damage protection in Mexico (available with certain carriers)

Need help or have a claim? Most of our insurance partners offer 24/7 customer service and dedicated claims teams to get your RV repaired and back on the road quickly.

Bundle & Save

We work with a variety of insurance carriers to bring you competitive rates—and the more you insure, the more you can save. Ask about discounts for:

• Safe driving
• Being the original owner
• Bundling multiple policies (home, auto, motorcycle, classic car, boat, etc.)

Let’s Get You Road-Ready

Locally operated and dedicated to serving Montana, Summit Insurance offers reliable RV coverage backed by trusted carriers. Whether your RV is your weekend escape or your full-time home on wheels, we’ll help you find a policy that fits your travel lifestyle.

Reach out today or request a quote online—adventure is calling, and we’ll help you answer it.

If your RV is more than just a getaway—if it’s your full-time home—your insurance coverage needs to reflect that lifestyle. Full-timer RV insurance provides enhanced protection that combines elements of home and auto insurance, covering everything from personal liability and medical payments to personal belongings and full replacement cost for your rig. At Summit Insurance, we understand the unique risks and responsibilities that come with living life on the road. We’ll help you customize a policy that supports your mobile lifestyle, offering coverage for stationary living, extended travel, and the unexpected twists that can come with full-time RV life—so you can focus on the journey, not the "what ifs."

Get a Free RV Insurance Quote