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RV & Travel Trailer
Insurance in Iowa
Protect your home on wheels with comprehensive RV and travel trailer coverage. From weekend getaways to full-time living, we have you covered.
- Travel Protected
Insurance Designed for RV Owners & Travelers
Your RV or travel trailer is more than a vehicle—it’s your gateway to adventure and, for many, a second home. Standard auto insurance doesn’t provide the specialized protection your recreational vehicle needs on the road or at the campsite.
At Densmore Insurance Strategies, we partner with top-rated carriers who specialize in RV coverage to ensure your motorhome, travel trailer, fifth wheel, or camper is fully protected at competitive rates.
Full Value
On-Road & Parked
Great Rates
Multiple Carriers
Contents Coverage
Personal Belongings
Local Experts
Bondurant, Iowa
Protecting Iowa RV owners with specialized recreational vehicle coverage
- Understanding Coverage
What Is RV & Travel Trailer Insurance?
RV insurance is a specialized policy that combines elements of auto and homeowners insurance to protect your recreational vehicle. It covers physical damage, liability, personal belongings inside the RV, and unique risks that come with life on the road.
Vehicle Protection
Covers collision and comprehensive damage to your RV or travel trailer, including accidents, theft, fire, hail, and vandalism while on the road or parked.
Liability Protection
Protects you financially if you cause injury to others or damage their property while driving or towing your RV. Essential for every RV owner.
Contents & Living
Covers personal belongings inside your RV—electronics, furniture, clothing, and appliances—plus temporary living expenses if your RV becomes uninhabitable.
Iowa RV Insurance Requirements
Iowa requires liability insurance for motorized RVs driven on public roads. Travel trailers and towable campers may be covered under your tow vehicle's policy, but separate coverage is strongly recommended.
- $20,000 bodily injury per person
- $40,000 bodily injury per accident
- $15,000 property damage per accident
Pro Tip
Even if your travel trailer is covered under your tow vehicle's policy for liability, it likely won't cover physical damage to the trailer itself or your personal belongings inside. A dedicated RV policy fills these critical gaps.
- Coverage Options
Comprehensive RV & Travel Trailer Coverage
Build a policy that fits your travel style and budget. From basic liability to full-time RV living coverage, we’ll help you find the right protection.
Collision Coverage
Pays for damage to your RV if you collide with another vehicle or object, regardless of fault.
- Accident repairs
- Rollover damage
- Hit-and-run incidents
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, fire, hail, flooding, and animal strikes.
- Storm damage
- Theft protection
- Falling objects
Personal Belongings
Protects the contents inside your RV—furniture, electronics, clothing, kitchenware, and more.
- Electronics coverage
- Furniture protection
- Clothing & gear
Bodily Injury Liability
Covers medical expenses, lost wages, and legal fees if you injure someone while operating your RV.
- Medical bills
- Legal defense
- Settlement costs
Property Damage Liability
Pays for damage you cause to other people's property while driving or towing your RV.
- Vehicle repairs
- Property repairs
- Legal costs
Vacation Liability
Provides liability protection while your RV is parked and being used as a temporary residence at a campsite.
- Campsite liability
- Guest injuries
- Awning damage
Total Loss Replacement
Replaces your RV with a brand-new model of the same make if it's totaled within the first few years.
- New RV replacement
- No depreciation
- Full value coverage
Roadside & Emergency
Provides 24/7 roadside assistance including towing, tire changes, fuel delivery, and lockout service.
- 24/7 towing
- Tire service
- Emergency expenses
- All RV Types
Coverage for Every Type of RV
No matter what you drive or tow, we have coverage options tailored to your specific recreational vehicle and travel style.
Class A Motorhomes
Large, bus-style motorhomes with full living amenities for luxury travel
Class B Camper Vans
Compact van conversions perfect for couples and solo travelers
Class C Motorhomes
Mid-size motorhomes built on truck chassis with cab-over sleeping area
Travel Trailers
Towable trailers in various sizes from compact to large family models
Fifth Wheels
Large towable RVs that connect to a pickup truck bed hitch for stability
Pop-Up Campers
Lightweight folding campers that expand for camping and collapse for towing
Don’t see your RV type? We cover all makes and models. Contact us for a custom quote.
- Why Coverage Matters
The Reality of RV Ownership Risks
Owning an RV comes with unique risks that standard auto or homeowners insurance won’t cover. Understanding these risks helps you choose the right protection.
11M+
RV Households
Over 11 million American households own an RV, and the number keeps growing
$50K+
Average RV Value
The average new RV costs over $50,000, making proper coverage essential
72%
Weather-Related Claims
The majority of RV insurance claims are related to weather and road hazards
$8K
Average Claim Cost
The average RV insurance claim costs around $8,000 in repairs and damages
Severe Weather
Hail, wind, tornadoes, and flooding can cause catastrophic damage to RVs
Road Accidents
Larger vehicles face unique handling challenges, especially in crosswinds and tight turns
Water Damage
Roof leaks, plumbing failures, and flooding are common and costly RV issues
Theft & Break-Ins
RVs parked at campgrounds or in storage are targets for theft and vandalism
Fire Hazards
Propane systems, electrical issues, and cooking accidents create fire risks
Falling Objects
Tree branches, debris, and low-clearance structures can damage your RV
Protect Your Investment with Proper Coverage
Don't let an unexpected event ruin your adventure. Comprehensive RV insurance ensures you're protected financially, so you can focus on enjoying the open road.
- Full replacement cost for newer RVs
- Personal belongings and contents coverage
- Emergency expense and vacation liability
- Why Choose Us
Why Iowa RV Owners Choose Densmore Insurance
When it comes to protecting your RV and your love of travel, you need an insurance partner who understands what matters to you. At Densmore Insurance Strategies, we’re not just selling policies—we’re helping fellow adventurers stay protected on the road.
Independent Agency
We work with multiple carriers to find you the best coverage and rates, not just one company's options.
Local Iowa Experts
Based in Bondurant, we know Iowa weather, roads, and the specific risks RV owners face in the Midwest.
Competitive Rates
We shop multiple carriers to find you great coverage at prices that fit your budget.
RV Specialists
We understand the unique needs of RV owners and can recommend coverage that actually protects your investment.
Personal Service
Talk to a real person who knows your policy and can help when you need it most—even from the road.
Claims Assistance
We advocate for you during the claims process to ensure you get fair treatment and fast resolution.
Since 2005
Protecting Iowa Families
Trusted by hundreds of Iowa boaters for their watercraft insurance needs.
- Common Questions
RV & Travel Trailer Insurance FAQs
How much does RV insurance cost in Iowa?
RV insurance costs vary based on factors like your RV type, value, usage (recreational vs. full-time), driving record, and coverage levels. On average, Iowa RV owners pay between $500-$2,000 per year for comprehensive coverage. Class A motorhomes cost more to insure than travel trailers. We can help you find competitive rates by comparing quotes from multiple carriers.
Do I need separate insurance for a travel trailer?
While your tow vehicle’s liability insurance may extend to your travel trailer while it’s being towed, it typically won’t cover physical damage to the trailer itself or your personal belongings inside. A separate travel trailer policy provides comprehensive protection including collision, comprehensive, contents, and liability coverage when the trailer is detached.
Does my auto insurance cover my RV?
No, standard auto insurance policies do not adequately cover RVs. Motorized RVs (Class A, B, C) require their own policy. Even towable RVs benefit from dedicated coverage that protects the unit, contents, and provides vacation liability. Many carriers offer discounts when you bundle your RV and auto policies.
Does watercraft insurance cover my trailer?
Yes! Full-time RV insurance is designed for people who live in their RV as their primary residence. It includes higher personal belongings limits, full replacement cost coverage, personal liability similar to homeowners insurance, and medical payments coverage for guests. Let us know if you’re a full-timer so we can find the right policy.
What discounts are available for RV insurance?
Common discounts include: multi-policy bundling, safe driver discounts, RV safety course completion, anti-theft device installation, storage discounts (for seasonal use), paid-in-full discounts, and claims-free discounts. We’ll help you identify all available discounts to lower your premium.
Are my personal belongings inside the RV covered?
With a comprehensive RV policy, yes. Personal belongings coverage protects items inside your RV such as electronics, furniture, clothing, kitchenware, and outdoor equipment. Coverage limits vary by policy, so make sure your limits match the value of your belongings. We can help you determine the right amount.
What happens if my RV is damaged in storage?
Comprehensive coverage protects your RV even while it’s in storage. This includes damage from weather, theft, vandalism, fire, and falling objects. Some carriers offer reduced rates during storage months when the RV isn’t being driven. We recommend maintaining comprehensive coverage year-round.
Does RV insurance cover me in other states or Canada?
Yes, most RV insurance policies provide coverage throughout the United States and Canada. If you plan to travel to Mexico, you’ll need a separate Mexican insurance policy. Let us know your travel plans so we can ensure your coverage extends to all your destinations.
Ready to Protect Your RV?
Get a free, no-obligation RV insurance quote from Densmore Insurance Strategies. We’ll compare rates from multiple carriers to find you the best coverage at the best price.
Phone
(515) 967-3390
info@densmoreis.com
Address
85 Paine Street SE, Suite G, Bondurant, Iowa 50035
What to Have Ready
RV Information
Year, make, model, length, and VIN number
Usage Details
Recreational, seasonal, or full-time living
Driver Information
License number and driving experience
Storage & Travel Plans
Where stored and typical travel destinations
Quick Response
We typically respond within 1 business day