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

RV Insurance In South Dakota

Whenever it comes to coverage for RV insurance, many RV owners in South Dakota have a lot of coverage options as there are campgrounds to enjoy an RV in. From various RV parks that offer views of Lake Thompson to the campgrounds that provide a Mount Rushmore experience, RV owners can enjoy a lot of scenic retreats for vacation without having to leave their home state. Having the best insurance coverage for your home on wheels will have a tendency to be a bit expensive, so it is vital that RV owners in South Dakota compare various RV insurance quotes before picking a policy.

Benefits to owning a RV!

  • There are more than 186 RV parks in South Dakota.
  • Vacationing in a RV allows quality time for families to enjoy.
  • 73% of RV owners stated that they save money on family vacations.
  • Traveling by RV reduces illness exposure and health risks that you could get from planes, hotels, and trains.
  • There are thousands of RV campgrounds all over the U.S.

What is RV (Motorhome) Insurance?

RV owners will have complex coverage needs. This is simply because RVs have to have vehicle coverage when they are being driven and they also require homeowner type of coverage when using them for a home. RV insurance will provide both types of insurances in one package. It will also offer different coverage options like full-timer liability insurance which is designed to meet the unique needs of a RV owner. Many RV insurance companies will offer a variety of coverage options, which will enable many South Dakota RV owners to build a policy that is perfect for their situations.

What Type Of Coverage Is Included In Rv Insurance?

RV insurance policies will offer various types of coverage. RVs are a vehicle first and foremost. There are some things that you could expect to be included within your policy that are vehicle related which will include these types of coverage options.

  • Collision Coverage – This will cover the needed repairs or replacement of your RV if it receives damage in a vehicle collision, no matter whose fault it is.
  • Vehicular Liability Coverage – This will cover the cost if a third party has property damage or injuries because of a collision where you are at fault. Because an RV is quite large and heavy, it could cause a lot of damage in a collision. You need to have liability coverage that is over the minimum requirements for your state. You may even want to supplement your policy with umbrella insurance.
  • Roadside Assistance – This will cover the cost of towing from RV specialists if your RV will become inoperable when you are traveling.
  • Medical Payment Coverage – If your passengers or yourself receive injuries during a collision, regardless of fault, this will cover medical treatment.
  • Comprehensive Coverage – This will cover you against damage or loss that was caused by non-collision related events such as falling objects, theft, fire, vandalism, severe weather, and floods.


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

RVs are also homes. Policy coverage that is related to home insurance that will include these options.

  • Campsite Liability Coverage – This is often called vacation liability insurance and is similar to full timer liability coverage but covers a shorter time period. You can purchase this coverage for when you are living in your RV at a campground like during a 2-week vacation.
  • Full-Time Liability Coverage – This is for people who live in their RVs for several months out of the year or year round. It provides similar liability coverage that traditional home owner insurance normally offers.
  • Contents Coverage – This will cover your personal property that is inside of your RV against loss, damage or burglary. This will include clothing, décor, built in appliances, electronics and cookware.

What type of RVs do RV insurance cover?

RVs come in a variety of styles and types. Even though they are referred to as RVs, towable campers and 5th– wheel trailers are not motorized vehicles, so they need trailer insurance instead of the regular RV insurance. The types of RVs that need to be insured with RV insurance in South Dakota will happen to include the following:

  • Class A RV – These are the largest and super expensive type of RV on the market. They will look like a very large bus, and will include amenities like bathroom, laundry facilities, climate control and bathroom.
  • Class B RV – These are the smallest type of RV. What they happen to lack in space, they will make up for in maneuverability. They will have the appearance of a very large van and may include pop-up and pop-out camper materials to expand the living space when they are parked.
  • Class C RV – These are similar to a class A RV when it comes to amenities, but they are much smaller. This RV type looks like a truck with a separate cab for the driver. They are normally a storage or bunk space above the cab.

Can you get reasonable RV quotes in South Dakota?

There are several considerations that need to be considered when calculating a RV insurance quote, like the following. Normally, the average rates will start around $800 yearly for a Class C RV and will go around $4000 yearly for a Class A RV. Because RV insurance rates may vary significantly from every insurer, it is best that you obtain at least 3 types of RV insurance quotes before you finally select your policy.

  • Number of miles you expect to drive yearly
  • Type of RV you own such as Class C, Class A, or Class B RV
  • Purchase price, make, model and year of your RV
  • Your driving record, credit score and claims history
  • Amount of your deductible
  • Amount of coverage being purchased
  • How long and how frequently you will use it as a home


Shopping around for inclusive and affordable RV insurance can be time consuming and hard. Luckily, if you decide to work with an independent agent at Overland Insurance Agency, this will be much easier. Your local agent will be able to answer your questions about the various coverage options and can help to pick the right coverage needs and then work with various insurance companies to give you a selection of policies that you can pick from. There are several Overland Insurance agents that have offices in South Dakota. You will be able to find and contact an Overland agent near you to learn more about RV insurance and to begin comparing your RV insurance quotes.


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