Coverage That Travels With You
A motorhome is a vehicle and a residence at once, and a travel trailer is neither — which is why auto policies handle them so poorly. HBK Insurance Group covers Class A, B and C motorhomes, fifth wheels, travel trailers, toy haulers and utility trailers, whether yours heads north for the summer or sits in a Stuart storage lot until season.
What RV & Trailer Insurance Covers
- ✓ Motorhomes, travel trailers and fifth wheels
- ✓ Agreed value and total loss replacement options
- ✓ Personal belongings and attached accessories
- ✓ Full-timer liability for year-round living
- ✓ Emergency expense and roadside assistance
- ✓ Storage, hurricane and in-transit coverage review
Full-Time Living Needs Different Coverage
If the RV is your residence rather than your vacation, a standard policy leaves you without the liability and personal property protection a homeowners policy would normally provide. Full-timer coverage fills that role, and it is the single most commonly missed piece we see.
Where It Sits During Storm Season
Storage location matters more here than almost anywhere. A unit parked outdoors through a named storm is a different risk than one in a covered facility, and some policies treat in-storage damage differently than in-transit damage. We check that before season, not after.
Common Questions
Does my auto policy cover my travel trailer?
It may extend liability while towing, but it will not cover the trailer itself, its contents, or anything that happens while it is parked.
What is total loss replacement?
On a newer unit, it replaces with a comparable new one rather than paying depreciated value. It is worth asking about while the unit is still young.
Am I covered on the road out of state?
Yes. Tell us your typical routes and how long you are gone so the policy is written for how you actually travel.
Get Your RV & Trailer Insurance Quote
Start your quote below and a licensed HBK agent will review it and follow up. Prefer to talk it through? Call (772) 444-8182.
Serving the Treasure Coast
HBK Insurance Group is an independent agency in Stuart, Florida, serving Martin, St. Lucie and Palm Beach counties — Stuart, Palm City, Port Salerno, Jensen Beach, Hobe Sound, Sewall’s Point, Rio, Hutchinson Island, Port St. Lucie, Tradition, Fort Pierce, Jupiter, Tequesta and Palm Beach Gardens.