RV Insurance in Indiana
Local Indy guidance—statewide protection for motorhomes and towables
From state-park weekends to cross-country trips, Indiana RVers trust AOG Group | Allstate for clear, budget-smart coverage. We pair friendly, local service with strong policy options—so you can focus on the journey, not the what-ifs.
What we insure (eligibility varies)
- Motorhomes: Class A, B (camper vans), and Class C
- Towables: Fifth wheels, travel trailers, toy haulers, pop-ups, truck campers
- Specialty setups: Vintage rigs and custom conversions (ask for details)
Tell us how you travel—weekender, seasonal, or full-time—and we’ll match coverage to your rig and lifestyle.
What RV insurance typically includes
- Liability (BI/PD): Helps protect your finances if you’re at fault in a covered accident.
- Uninsured/Underinsured Motorist: Helps when the other driver has too little—or no—coverage.
- Medical Payments (MedPay): Helps with medical costs for you and eligible passengers after a covered accident (limits vary).
- Collision: Helps repair or replace your RV after a covered crash, regardless of fault.
- Comprehensive: Helps cover theft, fire, vandalism, animal strikes, and certain weather damage (including wind/hail common in Indiana).
Popular add-ons for Indiana RVers
- Roadside Assistance & Towing: Help if you’re stranded—ask about options for winch-outs and mobile service.
- Vacation Liability: Liability protection while your RV is parked and used as a temporary residence (campsite, RV park).
- Personal Effects Coverage: Helps replace belongings kept in the RV—camping gear, clothing, electronics—subject to limits.
- Total Loss/Agreed Value Options: Designed to address early-ownership or specialty rigs (availability varies).
- Full-Timer Coverage: Home-like liability for those who live in their RV most of the year.
- Custom Parts & Accessories: Extra limits for awnings, satellite dishes, solar, generators, and aftermarket upgrades.
- Emergency Expense / Trip Interruption: Lodging, meals, and transportation after a covered loss away from home.
Coverages, limits, deductibles, and availability vary by policy and state. We’ll walk you through the details before you buy.
Real-world scenarios we plan for
- Hailstorm dents your roof and A/C units during a Midwest squall → comprehensive.
- Tire blowout damages the sidewall on I-65 → collision; roadside assists with towing.
- Theft at a storage facility → comprehensive; personal effects coverage for items inside (limits apply).
- Guest trip-and-fall at your campsite → vacation liability.
- Wildlife strike on a county road → comprehensive.
Towing & storage tips
- Towables: Your auto policy’s liability may extend to a trailer you’re pulling, but physical damage to the trailer usually requires its own policy or endorsement.
- Storage off-season: Ask about lay-up/storage options and how coverage applies when the RV is parked.
- Documentation: Keep photos/receipts for upgrades (awnings, solar, electronics) to set proper accessory limits.
Smart ways to save (subject to qualification)
- Bundle & save: Combine RV with auto, home/condo/renters, or umbrella.
- Responsible payer & claims-free discounts.
- Safety/course credits: Recognized RV driver or safety training may help.
- Anti-theft & storage: Monitored storage, wheel locks, or GPS trackers can be beneficial.
- Higher deductibles you’re comfortable with.
Why AOG Group | Allstate
- Local experts, statewide reach: Indianapolis, Carmel, Fishers, Zionsville, Noblesville, Westfield, Greenwood, Avon, Brownsburg, Columbus, Bloomington, Lafayette/West Lafayette, Muncie, Terre Haute, Fort Wayne, South Bend, Evansville—we serve all of Indiana.
- Plain-English guidance: Side-by-side quotes for limits, deductibles, and optional add-ons—no guesswork.
- Fast proof of insurance: Digital ID cards and lender/DMV paperwork—handled quickly.
- Proactive reviews: Update coverage when your travel patterns or rig change.
FAQs
Is my RV covered by my auto policy?
Motorhomes generally need a separate RV policy. Towable trailers often require their own physical damage coverage even if your auto liability extends while towing.
Does personal property in my RV fall under homeowners insurance?
Home policies may offer limited off-premises coverage with sublimits. Personal effects coverage on the RV policy can help fill gaps (limits and exclusions apply).
What deductible should I choose?
Higher deductibles can lower premiums but increase out-of-pocket costs at claim time. We’ll model options to fit your budget.
Are full-timers covered differently?
Yes. If you primarily live in your RV, ask about full-timer coverage that provides home-like liability and higher personal property limits.
Does roadside include large-rig towing?
Programs vary. We’ll review towing limits, winch-out, and service radius to match your rig’s size and travel plans.
Do accessories like awnings and solar need special coverage?
Often yes. We can set custom parts & accessories limits so upgrades are insured properly.
Our simple process
- Travel & rig profile: Year/make/model, upgrades, how/where you travel, and storage.
- Custom quote: Clear choices for limits, deductibles, and optional protections.
- Bind & roll: Instant ID cards; we coordinate lender/DMV needs.
- Annual check-in: Tune coverage for new gear, routes, or lifestyle changes.
Ready to insure your next adventure?
Let’s build RV coverage that travels as well as you do. Request a custom quote from AOG Group | Allstate in Indianapolis—serving RVers across Indiana.
Disclosures: Product features, underwriting, discounts, and availability vary by policy form and state. Terms, limits, conditions, and exclusions apply. Coverage is determined by the policy documents issued. We’ll review specifics with you before you buy.
