Camper / RV Insurance

Your home on wheels deserves protection wherever the road takes you.

Owning a camper or RV opens the door to adventure — from weekend camping trips in the Smoky Mountains to long cross-country journeys. But because your RV is both a vehicle and a home, it comes with unique risks that go beyond standard auto insurance. Whether you’re parked at a campsite, driving down the interstate, or storing your RV during the off-season, the right coverage ensures your investment and lifestyle are protected.

At Cothren Insurance Agency in Lawrenceburg, TN, we help RV owners find policies that combine auto protection with specialized coverage for the home-like features of their camper.

Coverage Options for Campers and RVs

Liability Coverage
Protects you if you cause bodily injury or property damage while operating your RV. This is required in Tennessee, just like with regular vehicles.

Collision Coverage
Pays for damage to your camper or RV if it collides with another vehicle, object, or even rolls over.

Comprehensive Coverage
Covers non-collision events such as fire, theft, vandalism, falling objects, flooding, or storm damage — crucial for RVs stored outdoors.

Vacation Liability
Provides protection if someone is injured in or around your RV while it’s being used as a temporary residence.

Personal Belongings Coverage
Unlike a standard car, your RV often carries valuables like clothing, electronics, outdoor gear, or appliances. This coverage protects your personal items inside the RV.

Medical Payments
Helps pay for medical expenses for you or your passengers after an accident, regardless of fault.

Uninsured/Underinsured Motorist Coverage
Protects you if your RV is hit by someone without sufficient insurance — a risk that’s all too common on Tennessee roads.

Roadside Assistance
Covers towing, flat tires, battery jumps, and emergency fuel delivery — giving peace of mind when traveling far from home.

Why RV Insurance Matters

  • Specialized Protection – Regular auto insurance does not fully cover RVs due to their size, value, and dual purpose as a vehicle and living space.
  • Financial Security – RV repairs and replacements can be extremely costly. Insurance helps protect your wallet from unexpected accidents or disasters.
  • Travel Confidence – Whether parked at a Tennessee campground or traveling cross-country, you’ll know you have protection in place.
  • Peace of Mind at the Campsite – Vacation liability and personal belongings coverage help ensure you’re protected even while your RV is being used as a home.

Why Choose Cothren Insurance Agency?

  • Local Knowledge – We understand the needs of Tennessee RV owners, from seasonal campers to full-time travelers.
  • Tailored Coverage – From small pop-up campers to luxury motorhomes, we’ll help you build a policy that fits your vehicle and lifestyle.
  • Access to Top Carriers – As an independent agency, we compare multiple insurance companies to find the right blend of value and coverage.
  • Trusted Support – If the unexpected happens, our team will be by your side to guide you through the claims process.