RV & Camper Trailer Insurance in Illinois
Whether you have a Class A motorhome, a fifth wheel, a travel trailer, or a pop-up camper, standard auto insurance doesn't cover everything that makes an RV unique. A dedicated RV policy covers your rig, your personal belongings inside it, and your liability while you're camping — at campgrounds, on the road, or anywhere in between. Hollinger Insurance Services shops multiple carriers to find the right fit for how you use your RV.
Why a Dedicated RV Policy Matters
Your auto policy may cover a motorhome while driving, but it typically won't cover the inside of your RV — your furniture, appliances, electronics, and personal belongings. And it won't cover you while parked at a campsite. A dedicated RV policy fills those gaps and adds coverage options built specifically for recreational vehicle owners.
Full-Timer vs. Recreational Coverage
If you live in your RV full-time, you need a policy structured more like homeowners insurance. If you use it seasonally, a standard recreational RV policy works well and can include lay-up discounts for months the RV is in storage. We'll ask how you use it and match you to the right policy.
Camper Trailers & Fifth Wheels
Towable units like travel trailers, fifth wheels, and pop-up campers are often underinsured. While your tow vehicle's auto policy may provide some liability, physical damage to the trailer itself typically requires a separate policy. We make sure your trailer is properly covered whether it's being towed, set up at a site, or sitting in your driveway.
What's Typically Covered
- ✓Collision & comprehensive (physical damage)
- ✓Personal liability at campgrounds
- ✓Personal belongings & contents
- ✓Attached accessories & awnings
- ✓Emergency expense coverage
- ✓Full-timer coverage options
- ✓Vacation liability
- ✓Roadside assistance & towing
- ✓Total loss replacement
- ✓Lay-up / storage discounts
Frequently Asked Questions
Does my auto insurance cover my travel trailer?
Your auto policy may extend liability coverage to a trailer while it's attached and being towed, but it typically does not cover physical damage to the trailer itself. A separate RV or trailer policy covers the trailer for collision, comprehensive, and contents.
Can I get a discount if I only use my RV seasonally?
Yes — many carriers offer lay-up discounts that suspend certain coverages during the months your RV is in storage, reducing your annual premium while keeping comprehensive coverage active to protect against theft, fire, and weather damage.
Is my RV covered at a campsite if I'm not driving?
A dedicated RV policy typically includes vacation liability coverage, which protects you while your RV is parked at a campsite. Standard auto policies generally do not extend this coverage.
Connect with Hollinger Insurance Services
Tell us about your RV — type, year, how you use it — and we'll find the right coverage at the right price.