RV Insurance FAQ

We offer coverage for class A, B and C motor homes, luxury bus conversions, fifth wheel campers, travel trailers and horse & utility trailers with living quarters. Our carriers will insure the finest of luxury motor coaches up to $2 million in value and up to $500,000 on towable campers and trailers.

We do have markets that will insure limited business usage, but the “normal” recreational vehicle policy does not allow commuting to work or use on a job site. If you have special needs, just call us.

In general, there are 3 usage groups and our carriers insure them all.

Recreational – The RV is occupied less than 5 months throughout the year (150 days).
Seasonal Full Timer – The RV is occupied more than 5 months, but still a homeowner.
Full Timer – The RV is your home.

Yes, it is. Each of our carriers offer some form of towing and roadside with their policy. Some have a fully dispatched service and others will reimburse, with high limits. We also have Coach-Net towing and roadside available, with discounted pricing.

No, Overland is a specialty agency for RV’s. In fact, it is usually advisable to have the RV separate from your regular auto insurance. Most RV accidents occur on private property, which are not revealed on a driving record and may protect your auto insurance rates.

All of our carriers provide coverage in the continental United States and Canada. A supplemental Mexico usage coverage is also available, with a few carriers at an additional premium.

All of our carriers maintain toll free claims lines that are available 24 hours a day and 7 days a week.

Complete our secure quote request form at: https://www.myrvquote.com/ovr/ or call us toll free at 1-800-677-4027.