Frequently Asked Questions

Out of 417,000 insurance agencies nationwide, Adventure Club Insurance is one of only 12 endorsed by top insurance companies as specialists in RV insurance. We work with multiple top-rated carriers to find you the best coverage at the best rate — not just one company's options.

It really depends on the type of insurance you're looking for. Some policies — like home or commercial coverage — may require a bit more information and take longer to put together. But for RV insurance, the process is incredibly fast. In most cases, we can have you fully covered in 10 minutes or less. Give us a call and one of our advisors will get you taken care of quickly and clearly.

No — you can switch at any time. We'll help you time the transition so there's no gap in coverage, and in many cases your current insurer will refund the unused portion of your premium.

A comprehensive RV policy can include collision and comprehensive coverage, liability protection, total loss replacement, personal effects coverage, roadside assistance, vacation liability, and more. Coverage varies by policy — we'll help you find what fits your lifestyle.

Absolutely. If you live in your RV full-time, you need a policy that reflects that — including full-timer liability and personal belongings coverage similar to homeowners insurance. Part-timers have different needs. We'll make sure your policy matches how you actually use your RV.

Standard auto policies won't cover your gear — but Personal Effects Coverage can protect electronics, camping equipment, grills, linens, and more. This is a key coverage many RVers overlook.

Total Loss Replacement ensures that if your RV is totaled, you receive enough to replace it with a comparable new model rather than just its depreciated value. It's one of the most valuable coverages you can have.

Vacation Liability coverage protects you if someone is injured at your campsite or campground setup. This is separate from your vehicle liability and is an important layer of protection while you're parked and set up.

The right amount of coverage depends on your unique situation. Here are the key factors our advisors look at: • State Minimums — Every state has its own minimum liability requirements, and your policy must meet those where your RV is registered. • Financed or Leased RVs — If you're still making payments, your lender will likely require you to carry comprehensive and collision coverage. Once it's paid off, you have more flexibility to adjust your plan. • Deductibles & Coverage Limits — Choose deductibles and limits you could realistically handle out of pocket. A slightly higher premium for broader coverage often pays for itself when a claim arises. • Storage Coverage — If your RV sits for 30+ days at a time, a storage option can reduce your premium by suspending collision and liability while keeping comprehensive protection active against theft, fire, and weather. Not sure where to start? Give us a call at 1-888-918-4470 and we'll walk you through it.

You file directly with your insurance carrier. Visit our Claims page for direct links to each carrier's claims portal. If you're unsure who to contact or need guidance, give us a call at 1-888-918-4470 and we'll help point you in the right direction.

Yes! Bundling your RV policy with auto, home, or toys (motorcycles, boats, ATVs) often unlocks meaningful multi-policy discounts. We handle all lines of insurance, so we can build a full coverage plan that saves you money across the board.

Costs vary based on the type of RV, how you use it, your driving history, coverage levels, and your location. Many of our clients save up to 35% compared to their previous insurer. The best way to find out is to call us for a free, no-obligation quote.

Yes! We're a full-service insurance agency. We offer auto, property/homeowners, motorcycles, boats, ATVs, umbrella, business, and workers compensation insurance. One trusted team for every part of your life.

We currently offer coverage in 45+ states across the U.S. We're coming soon to New York, Florida, California, Alaska, and Hawaii. Give us a call to confirm availability in your state.