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Illinois RV Insurance

What’s the Deal with Illinois RV Insurance?

Find the right rv insurance policy for you.

Steve Dahl | March 17, 2020

If you live in the Land of Lincoln and you own a recreational vehicle (RV) or motorhome, you are in the position to enjoy the open road, traveling from the sights of Chicago to the beautiful hills of Southern Illinois. Whether you are a full-time RVer or just a seasonal camping type, you have made an investment to be on the road for an extended period of time.

The longer you and your motorhome are on the road, the greater the risk of something happening to your vehicle or your passengers. To protect the lifestyle investment you have made, contact a local agent in the Trusted Choice® network to find the Illinois RV insurance coverage you need. Members of the Trusted Choice network are independent agents who have signed a Pledge of Performance committing to serve each customer’s unique needs.

Motor Vehicle Accident Statistics in Illinois

  • The total cost of crash-related deaths in the state was $1.32 billion.
  • The total medical costs were $15 million.
  • The work loss costs were $1.31 billion.

What RVs Are Covered by Illinois RV Insurance?

RVs or motorhomes can come in several shapes and sizes, and all of them fall under the auspices of an RV insurance policy. Types of RVs include Class A, B and C motorhomes, motorhome bus conversions, travel trailers, fifth wheels and truck campers. As each of these are different sizes and shapes and are essentially used for different roles, they each need a customized policy.

Whether you have a camper van or a fifth wheel, having an insurance policy in place can help protect your investment. A Trusted Choice member agent can help you compare Illinois motorhome insurance quotes to develop a personalized policy for your goals and budget.

What Does Illinois RV Insurance Cover?

Insurance on a motorhome or RV is similar to insurance on a home or on a traditional vehicle, depending on the type of RV you own. If you own a larger motorhome that is basically a home on wheels, then you may have coverage that looks similar to a homeowners policy, including liability coverage in case visitors in your RV or their property are damaged or injured due to your negligence; comprehensive coverage to pay for damage to your RV due to objects, fire, vandalism or severe weather events; and personal property coverage for your personal possessions inside the RV.

If your RV is smaller and is hitched to the back of a truck or other vehicle, it may be covered under the insurance policy for the vehicle towing the trailer, as long as the RV is hitched to the vehicle. However, if you’re using it seasonally and it may be stored for a time, you might be best served to get a separate RV policy to cover of the possibility of a damaging event whether the RV is being towed or not. Check with your agent to make sure your RV or travel trailer has the coverage on it that best protects it for your intended use.

Is RV Insurance Required in Illinois?

Illinois does require motor vehicles (including motorhomes) to have insurance coverage if they are driven on the road. For the smaller RVs that are attached as trailers to other vehicles, insurance coverage is generally not required, but some coverage on the vehicle that tows the RV can extend to the RV itself in certain circumstances.

Where Can I Get Illinois Motorhome Insurance Quotes?

To find Illinois motorhome insurance quotes or to get more information about policies available in Illinois, contact an independent agent in the Trusted Choice network. Your local agent can research different companies that offer policies in Illinois, assess your needs for coverage and price, and find the best Illinois RV insurance options for your unique situation. No matter what company you choose, your local agent can work with you on paperwork, review your policy annually and help you file your claims. For convenience and peace of mind, make sure to contact your local Trusted Choice member agent today.

Now, who's ready to get their insurance problems solved?