Tennessee RV Insurance

Protect Your RV in Tennessee with RV Insurance

Find the right rv insurance policy for you.


Tennessee is a beautiful state, with picturesque mountains and an abundance of outdoor recreation opportunities. From fishing and hiking to four wheeling and cave spelunking, Tennessee offers it all. When it comes to RVing, whether you're a full-time or a part-time RVer, it's important to have RV insurance in place to give you peace of mind that whatever happens to your RV while in TN, you're covered. Review the following information to find out more about getting valuable quotes and needed coverage for your RV.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

RV Statistics

  • There were more than 130 camping trailer accidents reported in 2004.
  • 45% of all RV accidents stem from striking a vehicle traveling on your side of a divided highway or on either side of an undivided highway.
  • In 2012, there were more than 1,000 traffic fatalities on the roads in TN.

RVs are big, heavy vehicles. Once they're on the road, they're hard to stop in an emergency. Additionally, they're prone to rollovers and high-wind control issues. No matter what type of RV you own, it's critical to have insurance in place covering it. While there are laws mandating liability insurance coverage, you, as an RV owner, may not realize that, if you only have liability coverage, only the damage you cause to others or their property will have coverage. Any repairs you need to your own vehicle will have to come out of pocket. For a full-time RVer, this could prove disastrous.

What Does RV Insurance Cover in Tennessee?

RV insurance protects you from some of the most common incidents that can occur while you operate your RV. A typical RV policy in TN may include the following:

  • Liability: The state of Tennessee requires you to title and insure your RV according to the state minimum liability requirements. This insurance only covers any damage you are responsible for.
  • Property damage: There are two main types of property damage coverage: collision and comprehensive. Collision insurance can cover RV repairs in case of an accident, and comprehensive insurance can cover everything other than collision. If you secured a loan or financing to purchase an RV, your lender will likely require this coverage.
  • Uninsured/underinsured motorist: Unfortunately, some people carry no insurance or carry too little. If you're involved in an accident with someone who is uninsured or underinsured, this insurance can help pick up where the responsible party's insurance leaves off.
  • Personal belongings: Whether you're a full-time RVer or not, this coverage can provide protection for the belongings on board your RV.
  • Equipment and attached accessories: If you own an RV with a satellite dish, bike rack or awning, this insurance can help cover those items.
  • Campsite and vacation: If you use your RV or motorhome as a temporary residence during a vacation, this insurance can cover your liability exposures.
  • Emergency expenses: Unfortunately, RV breakdowns happen. If you find yourself stranded, this insurance can help you secure temporary housing and emergency funds.
  • Towing and roadside assistance: This additional coverage can provide for towing and roadside assistance if your vehicle breaks down.

What Types of RVs Does RV Insurance Cover in TN?

Insurance companies realize that there are many different types of RVs on the road, and each one requires specific coverages. Below is a list of the different types of RVs that RV insurance most commonly covers:

  • Motorhomes:
    • Class A motorhomes
    • Class B motorhomes or camper vans
    • Class C motorhomes
    • Converted buses
  • Towable RVs:
    • Folding camping trailers
    • Truck campers
    • Conventional travel trailers
    • Fifth-wheel travel trailers
    • Sport utility travel trailers
    • Travel trailers with expandable ends

Save on RV Insurance

Our independent agents shop around to find you the best coverage.

What About Full-Time RVer Coverage in Tennessee?

If you live in your RV full time, you'll need different coverage limits from those who use their RV on weekends during the summer. Below is a list of coverages that typical full-time RVers may find helpful:

  • Personal liability: If someone sustains an injury while on your RV, you may be liable. This insurance can help pay for your defense and any judgments against you.
  • Medical payments to others: While you are using your RV as a residence, if an accident occurs, this coverage can help pay for others' medical expenses.
  • Loss assessment: If you are involved in a tenant or property owner association, this coverage can help cover assessments outlined in the policy.
  • Storage shed contents: Many full-time RVers store their belongings. This insurance can help cover those items.

How High Are RV Insurance Quotes in TN?

There's no exact average for RV coverage quotes since there are many different factors in play when calculating your personal quotes. While shopping for RV insurance, be sure to get familiar with the following:

  • Type of RV
  • Size of RV
  • Length of RV
  • Value of RV
  • Age of RV
  • Host vehicle details
  • Driving record
  • Where RV will be driven
  • Where RV will be stored
  • Whether RV is financed
  • Preferred coverages
  • Preferred deductibles

Insurance companies will use all of these factors to determine your quotes for RV insurance.

Are There Discounts Available on RV Insurance in Tennessee?

Typically, there are many discounts available on RV insurance policies. Below is a list of the most common insurance discounts you may find on RV insurance:

  • New customer discount
  • Loyal customer discount
  • Good driver discount
  • Claims-free discount
  • Paid-in-full discount
  • Lay-up discount (If you only use the RV during spring/summer)
  • Industry/Professional affiliation discount

Each insurance company offers its customers different discounts, so be sure to inquire about any discounts you may be eligible for.

How To Obtain RV Insurance in Tennessee

When it comes to getting RV insurance, it's important to have a professional by your side who's familiar with the RV lifestyle. A Trusted Choice® agent is always available to help you discuss coverage options, suggest discounts and even help you file a claim.

You can find a Trusted Choice agent in your neighborhood to help you review quotes and decide on a suitable RV insurance plan based on your needs and budget.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn