Coverage
RV Insurance
Coverage for motorhomes, travel trailers, and full-timers — built for the road.
Idaho is RV country. From the Snake River Canyon to the Sawtooths to the McCall lakefront, there's no better state to hit the road. But before you roll out, you need coverage built for your rig — not a repurposed auto policy. Borgman Agency specializes in RV insurance for Treasure Valley residents, working with carriers like Progressive, Nationwide, and Travelers to get you the right protection at a competitive price.
What Does RV Insurance Cover?
RV insurance is more comprehensive than standard auto insurance because your rig is also your home away from home. Coverage options typically include the following — though every policy has its own terms, limits, and exclusions:
- Collision coverage: Pays to repair or replace your RV after an accident
- Comprehensive coverage: Covers theft, vandalism, hailstorms, wildfire, and animal strikes — all real risks on Idaho roads
- Liability coverage: Pays for injuries or property damage you cause to others
- Personal belongings / contents coverage: Protects your gear, electronics, and personal items inside the RV — limits and covered perils vary by policy
- Full-timer coverage: If you live in your RV full-time, you need a specialized policy — standard RV insurance typically will not cover you adequately
- Vacation liability: May cover you when your RV is parked at a campsite and acts as a temporary dwelling
- Emergency expense coverage: May pay for lodging and meals if your RV is disabled far from home — coverage terms vary
- Roadside assistance: Towing an RV is expensive — ask us about this optional add-on
Do I Need RV Insurance in Idaho?
If your RV is classified as a motor vehicle — including motorhomes and travel trailers towed on public roads — Idaho law requires at minimum liability insurance. If you have a loan on your RV, your lender will also require additional physical damage coverages. Beyond legal and lender requirements, your RV is a significant investment, and out-of-pocket repair or replacement costs can be substantial.
How Much Does RV Insurance Cost in Idaho?
RV insurance rates depend on the type of RV, your coverage selections, driving record, and how you use it — recreational vs. full-time. Rates vary considerably across carriers. Bundling your RV policy with your auto or home policy may reduce your overall premium. We'll show you the numbers both ways.
Carriers we use for this line
Frequently Asked Questions
In most cases, your auto policy provides very limited coverage for a towed trailer or motorhome — typically only liability while it's attached to your tow vehicle, and with minimal protection for the RV itself or its contents. A dedicated RV policy closes those gaps.
Recreational RV insurance covers you during trips and seasonal use. Full-timer coverage is designed for people who live in their RV as a primary residence — it typically includes personal liability and loss-of-use coverage similar to a homeowners policy. If you spend significant time living in your RV, talk to us about the right policy type.
Some policies include limited personal property coverage. For higher-value items — electronics, bikes, camping gear — you may need a contents endorsement or confirm whether your homeowners policy extends coverage. We'll make sure there are no gaps between your policies.
Yes — and most carriers offer multi-policy discounts when you bundle. We'll quote your RV alongside your other coverage and show you the full picture.
We recommend maintaining at least comprehensive coverage year-round, even when your RV is in storage. Theft, fire, weather damage, and animal damage can occur whether or not your rig is being used. We'll help you find the right seasonal coverage strategy.
Ready to hit the road with the right coverage? Call Borgman Agency at (208) 501-8877 or get your free RV insurance quote online.