Protection for your recreational vehicle.
RV insurance for your needs.
Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We’ll work with you to make sure owning an RV is a rewarding experience, and also a safe one.
RV insurance in South Carolina.
When you hit the road in a recreational vehicle, you want protection that keeps up with your life, your travel plans, and the way you actually use your RV.
Whether you drive a class A motorhome, tow a travel trailer, or take off in a camper van, the right coverage makes all the difference when accidents, breakdowns, vandalism, or fire disrupt your trip.
C.T. Lowndes & Co helps RV owners across South Carolina find the right RV insurance, backed by more than 175 years of trusted service.
Reach out today for guidance and an RV insurance quote from a local team that knows what matters.
Interactive Graphic
Click it. Read it. Cover it.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
Liability Coverage
Risk Factor
Much like cars and trucks, RVs encounter many risks while out on the road. At-fault accidents can be particularly troublesome due to the large size of the vehicle.
Solution
Liability coverage can help cover costs from at-fault accidents, such as damage to other vehicles or medical bills resulting from the accident.
Collision Coverage
Risk Factor
Impacts such as accidents involving other vehicles, trees, parking structures, or more can cause major damage to the body of your RV.
Solution
Collision is a part of Physical Damage coverage that helps with costs from impacts or collisions with other vehicles or objects.
Comprehensive Coverage
Risk Factor
Driving on highways, country roads, and campsites all have their risks and hazards. Theft, fire, vandalism, and even damage from animals can cause major losses.
Solution
The Comprehensive part of Physical Damage coverage exists for just these reasons. It helps protect you from non-collision damages and losses when you’re out exploring the world.
Medical Payments
Risk Factor
Accidents can hurt more than your RV. Injuries to you or guests along for the ride can lead to serious medical expenses.
Solution
Medical payments coverage can help ease the burden of medical costs resulting from a covered claim.
Personal Property Coverage
Risk Factor
You take more than just the clothes on your back when you’re out in your RV. An accident can damage your belongings inside just as much as it can the outside.
Solution
Personal Property coverage makes sure you have protection for the items, gear, and belongings that are in the RV that may be damaged in a covered accident.
Uninsured & Underinsured Motorist Coverage
Risk Factor
Not everyone has enough insurance to cover the damage they may cause in an accident, especially to a high-value vehicle like an RV.
Solution
Uninsured & Underinsured Motorist coverage helps you cover the gap that may exist between how much coverage an at-fault driver may have and how much damage they caused to you and your RV.
What is RV insurance?
RV insurance is an insurance policy designed to protect a recreational vehicle, its contents, and the people who use it.
It works a lot like auto insurance but adds extra protection for the unique risks that come with motorhomes, travel trailers, toy haulers, fifth wheels, camper vans, and other trailers.
In most states, motorized RVs with their own engine must carry liability coverage that meets state laws. The coverages you choose determine how losses are handled, what is covered, and how much you pay out of pocket in a claim.
RV insurance can include:
- Liability coverage for bodily injury or property damage
- Collision coverage to repair your vehicle after an accident
- Comprehensive coverage for theft, fire, vandalism, or weather events
- Protection for towed trailers, toy haulers, and travel trailers
- Coverage for personal belongings inside the recreational vehicle
RV insurance coverages vary across insurers, so a personalized review is the best way to make sure you are covered for the risks that are important to you and specific to your rig.
Who needs RV insurance?
Anyone who owns or uses a recreational vehicle should carry RV insurance. This includes people who drive motorhomes, tow trailers, or travel with:
- Class A motorhomes
- Camper vans
- Fifth wheels
- Truck campers
- Travel trailers of all sizes
- Toy haulers
- Motorized RVs with their own engine
If you only use your RV for vacation trips, you still need coverage. If you live in it part time or full time, you need even broader coverage. In many situations, a lender also requires proof of insurance before financing an RV or trailer.
What does RV insurance cover?
Your RV insurance coverage can be customized to fit your vehicle type, how often you travel, and what you want protected. Here are the coverages most RV owners choose:
Liability Coverage
Helps pay for bodily injury and property damage you cause in an accident. This is required for motorhomes and motorized RVs in all states.
Collision Coverage
Helps repair your RV when you collide with another vehicle or object, no matter who is at fault.
Comprehensive Coverage
Protects your RV from theft, vandalism, fire, falling objects, windshield damage, and other losses not tied to a collision.
Physical Damage Coverage for Trailers
Covers travel trailers, toy haulers, fifth wheels, and other trailers that are towed behind a vehicle.
Personal Property Coverage
Helps replace items inside the RV if they are damaged or stolen.
Other Coverages
Depending on your insurer, you may add features that protect your RV from wear and tear damage, emergency expenses, and unexpected events on the road.
RV policies underwritten in South Carolina can vary in price, deductibles, exclusions, and premium structures. Because of this, a quick policy review helps you decide what you need.
What type of RV do you have?
Each RV type has different insurance needs.
Motorhomes
Class A, class B, and class C motorhomes combine living space with a driving system, so they need auto style liability coverage plus RV specific protections.
Motorized RVs
Any unit with its own engine needs full motorhome insurance to meet state laws.
Travel Trailers
Travel trailer insurance protects your trailer even when it is towed behind another vehicle. This applies to traditional travel trailers, toy haulers, fifth wheels, and lightweight trailers.
Camper Vans and Truck Campers
These smaller vehicles still need the right protection for accidents, property damage, and personal belongings.
No matter how you travel, we will help you choose RV policies that protect you from out of pocket surprises.
What does RV insurance typically cost?
RV insurance premiums vary based on:
- Your driving history
- Your RV type, class, and size
- The value of your vehicle
- How often you travel
- Your deductible and chosen coverages
- Safety features
- Whether you qualify for discounts
The average RV insurance premium depends on your specific recreational vehicle. A class A motorhome will cost more to insure than a small travel trailer.
A camper van often falls somewhere in the middle.
If you want affordable RV insurance that does not cut corners, we can help you review every option.
Specialized RV insurance for full timers and frequent travelers.
If your RV is your second home or your full time home, you need a special kind of RV insurance. These RV policies can include higher liability limits, full replacement cost for personal property, and coverage designed for life on the road.
A few minutes talking to one of our licensed agents can help to save you money while offering you long term protection.
Get an RV insurance quote today.
For more than 175 years, C.T. Lowndes & Co has helped individuals and businesses throughout South Carolina get the right coverages.
Our agency holds a 4.8 star customer service rating and continues to earn the trust of RV owners across the state.
Whether you drive, tow, or travel with recreational vehicles of any kind, you deserve reliable coverage built around your life.
Contact C.T. Lowndes & Co today for a personalized RV insurance quote and guidance you can count on.
Get Started Today
As an independent agency, we are here to help you find the right RV Insurance coverage.
Get a Quote
RV Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
Get a Quote
It only takes a minute to get started.
- Fill out the form, we’ll be in touch.
- Review options with an agent.
- Get the coverage you need.
