RV Insurance Minnesota
Welcome to First State Insurance Agency Southwest
At First State Insurance Agency Southwest, we know that an RV is more than just a vehicle, it is a home away from home. Your RV or your “home away from home” requires specialized protection that a standard auto policy simply can’t provide.
Since 1930, we’ve been helping local adventurers protect their investments. We understand the unique challenges of RV ownership, from the risks of towing on icy roads to the specialized coverage needed while your RV is in storage for the winter. As an independent agency, we partner with top-rated RV specialists to find you the right balance of roadway safety and residential security
What is covered by RV Insurance in Minnesota?
Comprehensive & Collision
Covers physical damage from accidents, falling branches, fire, theft, vandalism, and Minnesota’s notorious hail storms.
Vacation Liability
Provides "homeowner-like" liability protection for injuries or property damage that occur while your RV is parked and used as a residence.
Personal Effects Coverage
Replaces your belongings inside such as fishing gear, cameras, kitchenware, and electronics which standard auto policies often exclude.
Roadside Assistance
Covers specialized towing for heavy rigs, ensuring you aren't stranded if you have a mechanical failure on a remote highway.
Emergency Expense Coverage
Pays for lodging and transportation if your RV becomes uninhabitable due to a covered loss while you're on a trip.
Loss of Use (ALE)
Pays for additional living expenses (ALE), like hotel stays and restaurant meals, if a covered disaster makes your rental uninhabitable.
Why choose First State Insurance Agency for your RV Insurance in MN?
Your RV represents a significant financial investment and a lifetime of memories. We make sure those memories are protected by local RV insurance experts who know the “RV Life.”
- Your Independent Advantage: We don’t force you into one insurance company’s box. We shop across 20+ carriers to find the best specialized RV rates, whether you use your camper once a month or live in it full-time.
- Local Insight Since 1930: We understand the landscape of Minnesota. We know which carriers offer the best plans for your RV even when it is parked during harsh winters.
- Specialized Policies, Not “Add-ons”: Many agencies just “tack on” an RV insurance to your car insurance. We provide specialty RV insurance that covers things an auto policy won’t, like plumbing leaks or awnings.
Claims Support You Can Trust: If you have an accident three states away, you can still call your us. We act as your advocate to ensure your rig is repaired correctly and you get back on the road.
YOU DESERVE ONLY THE BEST
RV Risks in Minnesota
Minnesota’s climate and geography require a policy that can handle the tough weathers, mainly in the winter season.
- Winter Storage & “Suspended” Coverage: When you park your vehicle for the winter, we can help you “suspend” the driving portions of your insurance to save money while keeping your comprehensive coverage active to protect against theft, fire, or heavy snow load roof collapses.
- Total Loss Replacement: For newer units, we offer coverage that replaces your RV with a brand-new model if it’s totaled, rather than just paying the depreciated “Actual Cash Value.”
- Pest & Rodent Protection: Pest and rodent are a common Minnesota winter problem. Some specialized policies offer coverage for damage caused by mice or other critters while your RV is in storage.
- Roof & Awning Protection: Summer windstorms and hail are hard on RVs requiring policy specifically to cover the cost of expensive roof repairs and mechanical awnings.
FAQs
What is "Full-Timer" RV Insurance?
If your RV is your primary residence (living in it more than 6 months a year), you need a Full-Timer’s RV insurance policy. This functions like a combination of homeowners and auto insurance, providing much higher liability and personal property limits.
How much does RV insurance cost in Minnesota?
The average cost of RV insurance in Minnesota typically ranges from $700 to $3,500 per year for motorized RVs. Towable trailers are much more affordable, often falling between $180 and $600 annually.
What factors affect my RV insurance premium cost?
Your final premium cost is influenced by a number of factors such as your driving record, the value of your RV, insurance type selection, etc.
Is RV insurance required in Minnesota?
Yes, for motorized RVs. Minnesota state law treats such motorhomes like any other vehicle on the road, requiring a minimum amount of Liability, PIP (Personal Injury Protection), and Uninsured/Underinsured Motorist coverage.
What is "Vacation Liability" and do I need it?
Vacation Liability is a specialized coverage for recreational RV that acts like homeowners insurance while your RV is parked. If a guest trips and falls inside your camper while you’re parked, this coverage pays for their medical bills and your legal defense.
Can I get a discount for taking an RV safety course?
Yes! Many of our carriers offer discounts for completing an approved RV safety or defensive driving course. This is a great way to save money while becoming a more confident driver. You can also get discounts for using modern safety technology like anti-lock brakes (ABS), anti-theft devices, or advanced driver assistance packages.