RV Insurance North Dakota

A Wide Variety of Insurance Coverage Including the Following

  • Class A Motorhomes Insurance Coverage
  • Class B Motorhomes Insurance Coverage
  • Class C Motorhomes Insurance Coverage
  • Travel Trailer Insurance Coverage
  • Fifth Wheels Insurance Coverage
  • And Much More!!!

If you’re searching “RV Insurance North Dakota“, Overland Insurance Agency can help! We offer the most affordable RV Insurance packages North Dakota has to offer. Receive a free North Dakota RV Insurance quote by giving us a call today at 1-800-677-4027.

RV Insurance In North Dakota

There are plenty of RV parks that are near private campgrounds and state parks in North Dakota. It offers a variety of vacation destinations for any RV owner. As the popularity of RV increases, so does the number of injuries and accidents that come from RV use. Do you have an insurance policy that will be able to protect your finances? Before you begin searching for RV insurance, there are multiple factors that need to be considered.

RV Statistics and Facts

  • Ownership of RVs in the US has reached record levels according to a 2011 study. 8.9 million households will own an RV.
  • There is an RV for every budget and taste. Prices for new RVs are between $5,000 to $22,000 for a folding camper trailer; $8,000 to $95,000 for a convention travel trailer; $6,000 to $55,000 for a truck camper; $60,000 to $500,000 for a Type A motorhome and $43,000 to $200,000 for a Type C motorhome.
  • RV vacations are more affordable than traveling by personal car, cruise ship, or commercial airline according to a study by PKF Consulting. Even when you factor in the ownership cost for an RV, and the tax benefits that come with it, a family of 4 can spend up to 59% less when they travel by RV.
  • The typical RV owner of today is 48 years old, married and has an annual income of $62,000 or higher than the median for other households.

Why Is RV Insurance Important?

It doesn’t matter what type of RV you own, it is a big investment for many North Dakota households. You will want to have an insurance policy that will help to make swift repairs after any accident. You will also want to have protection against litigation and liability concerns that involve your fifth wheel or camper. RVs are more than just a vehicle, so they will have unique sets of risks that will only be addressed with RV insurance policy that is created to fit all your needs.

Am I Required To Carry RV Insurance?

North Dakota law stated that if the RV is driven, instead of being towed behind your vehicle, you will have to carry minimum liability insurance on the RV. However, the minimum standards may not be enough to protect you from being sued as a result of causing a third-party injury while you are operating your RV. Liability only insurance policies don’t cover damage that is done to the RV. You may want to have added protection of comprehensive or collision coverage to your RV insurance policy. It is a good idea to talk with a qualified insurance agent who can suggest the right type of insurance coverage for your RV.


Ronald Jarvie is a Nationally Certified Insurance Counselor Agent Since 1995!

Can I find Insurance For My Specific RV?

If you have purchased your RV from a retailer in North Dakota, then chances are that you can find an insurance policy that will fit your vehicle.

The most common types of insurable RVs do include the following!

  • Class A, B, Or C Motorhomes
  • Sport Utility RVs
  • Fifth Wheel Travel Trailers
  • Conventional Travel Trailers
  • Truck Campers
  • Folding Camping Trailers

What Will RV Insurance Cover?

Coverage options for an RV can vary based on the insurance company. You want to be sure to compare several policies to determine which policy will be right for you. Most North Dakota insurance companies will offer these types of RV insurance coverage:

  • Collision Coverage – If the RV is driven, then this can help to pay for any repairs to the vehicle if it is involved in an accident on the road.
  • Liability Coverage – This can help to pay for costs that come with causing property damage or injury to a third party while you are operating your RV. It can also help to pay for legal costs and court fees if you are sued because of an injury or accident.
  • Comprehensive Coverage – This will help to pay for replacement of or repairs to your RV if it is totaled or damaged by severe weather, vandalism, fire, or other covered events.
  • Additional Coverage – You will want to ask your insurance agent about specialty coverage like: accessory coverage if you transport valuable items or equipment in the RV; full timers coverage for those who live in the RV year round; and campground coverage for protection on extended vacations.

What Will My RV Insurance Quote Look Like?

The quotes that you will get from insurance companies in North Dakota will vary. Many providers will take multiple factors into account when they calculate your RV insurance quote which include:

  • The coverage you need and options that are selected
  • Your driving history
  • How often you use the RV
  • The value and size of the RV

Because RVs will come in all values and sizes, it is hard to estimate an average for an RV insurance quote. The more valuable the RV, the more expensive it will be to insure it. If your policy has a high deductible, you may find lower quotes, but be sure that the deductible that you pick is one that you can afford comfortably to pay if you must file a claim. Normally, Class A motorhomes could have quotes for about $2500 a year for comprehensive insurance, while campers that are towed behind the vehicle could have quotes for only a few hundred dollars a year.

Where Can I Find RV Insurance?

The best way that you are able to make your vacation worry free is by getting RV insurance in order to protect your finances. Independent, knowledgeable insurance agents within the Overland Insurance Network are always there to answer your questions, suggest coverage options that fit your needs, and even assist in filing claims. These agents have years of experience when it comes to working with North Dakota insurance companies, which enable them to find multiple quotes from various providers which give you the best coverage at the most affordable rates. Contact an Overland Insurance Agency near you to find out how you can get the best RV insurance policy that will fit your budget and needs.


There are several Overland Insurance Agents in North Dakota, contact an agent in your area and start comparing insurance quotes. Receive a free North Dakota RV Insurance quote by giving us a call today at 1-800-677-4027.