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The Arizona RV Insurance Specialists at Charlotte Insurance are Ready to Help You Protect Your Rig!

There are so many places to visit and sites to enjoy in Arizona. Where will you go first (or next) in your RV? Will it be the Grand Canyon, the Painted Desert, or the Petrified Forest National Park? Are you more of a city-explorer and ready to visit Phoenix or Tucson?

No matter where your travels take you – in Arizona or around the country – the right RV insurance policy is there to make sure the only thing you have to worry about is whether you missed your exit or not. Life happens, even when you’re on vacation or going all in on the full-time experience.



You need a high-quality Arizona RV insurance policy in place before you get behind the wheel. Liability insurance is required but a full coverage policy will offer the most protection when the worst happens.

Here at Charlotte Insurance, we’ll work with you to help you find the right Arizona RV insurance policy for your recreational vehicle and how you want to use it.

Contact us today to get a free quote for your first Arizona RV policy or your next one.

Common Arizona RV Insurance Misconceptions

Won’t my homeowners policy cover my RV, too?

RVs are motor vehicles, which means a separate liability policy is required in Arizona. Beyond that, your home insurance may offer limited coverage while your RV is parked in your driveway or stored, but that doesn’t help you once you’re ready to leave home. Once you leave your primary residence, and especially if you live in your RV full-time, your homeowners insurance will not cover you.

Are my personal belongings inside my RV covered by my homeowners insurance?

While parked at your primary residence, you may have a limited amount of coverage. But you’ll have very strict (and small) policy limits that on't cover everything inside your RV. Plus, any additional accessories you’ve added – like antennas or awnings – won’t be covered at all.

Arizona RV insurance offers specific policies to insure everything inside your RV as well as any additions you make to it.

Is Arizona RV insurance expensive?

The cost for your RV insurance in Arizona depends on many factors. This includes whether you use your RV part-time or full-time; the type, age, and condition of your RV; any claims you’ve filed in the past; your driving record; and your deductible and policy limits.

It’s important to compare policy options to find RV insurance that fits your budget and provides enough coverage for you, your family, and your RV.

Arizona RV Insurance Requirements

If you own a motorhome in Arizona, you’re required to purchase a minimum amount of liability insurance:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $15,000 for property damage per accident

State-required minimums aren’t typically enough coverage for an accident involving multiple vehicles or multiple people, especially considering how much damage an RV can cause. It’s possible that even a “minor” accident may not be fully covered by these minimums. It’s wiser to purchase as much liability insurance as you can afford.

Types of Coverages for Arizona RV Insurance


As previously mentioned, Arizona requires all motor vehicles, including RVs, to carry liability insurance. There are two types of damages covered in liability insurance:

  • Bodily injury
  • Property damage

When you’re at fault for an accident while driving your RV, liability pays for the other driver’s medical expenses and property damage. Liability also pays for injuries and property damage to someone (who doesn’t live with you) who visits your RV or where it’s parked and gets hurt. Most importantly, liability insurance covers your legal fees and helps pay any settlements or judgements if the other person sues you.

If this sounds like your auto insurance or homeowners policy, you’re correct. However, RV liability insurance is designed for both driving and living in an RV.

A deductible will apply.

Comprehensive and Collision

Your RV is more than a home on wheels. It’s a vehicle you drive on the road and park in parking lots. Whether you hit a coyote on the highway or your RV is vandalized, comprehensive and collision insurance covers the cost to repair or replace your RV. Deductibles apply.

When you finance the purchase of an RV, comprehensive and collision coverage (commonly known as full coverage) may be required for your loan agreement.

Physical Damage

After a covered peril, your RV may be declared a total loss – meaning the cost to repair it is higher than the value of your RV or it cannot be repaired at all. When this happens, you’ll be paid for the loss of your RV under physical damage coverage. There are three ways you can be paid, depending on your policy:

  • Actual Cash Value (ACV): A common option for many vehicles, you’ll be paid an amount equal to your RV’s stated value at the time of the loss. ACV determines the amount based on your RV’s age and condition. What you’ll be paid is unlikely to cover the cost to replace your RV.
  • Agreed Value (AV): Less common but worth considering if your vehicle is newer but was previously owned, agreed value coverage pays you an agreed amount chosen when you purchased your policy. Up to 10 years of depreciation of your RV is not considered in determining the amount. The amount will be listed in the policy on the Declaration page.
  • Replacement Cost (RC): Replacement coverage is recommended when your RV is new. You’ll receive enough to purchase another RV or one comparable to what you had – for up to the first five model years. After five model years, you’ll receive an agreed amount listed on the Declaration page. At the time of coverage, your Arizona RV must be the current model year or only one model year old. It can never have been titled or insured and have no previous owners.

A deductible will apply.

Emergency Expense

When you travel in an RV, having an emergency breakdown or accident means you have no place to stay and nothing to drive until repairs are made. Emergency expense insurance covers the costs to stay in a hotel or rent a car when your RV is damaged by a covered peril. To qualify, the accident must occur more than 50 miles away from your home or the storage facility where you keep your RV.


This coverage pays up to a specified amount for the following emergency expenses:

  • Temporary hotel stay or other living arrangements
  • Renting a vehicle to drive while your RV is repaired.
  • Travel costs home.
  • Costs to transport your RV home, as long as it hasn’t been totaled.

If you live in your RV full time, you don’t have the same 50 mile rule – as long as your RV is your primary residence in Arizona. Talk to your independent insurance agent about emergency expense coverage for full-time RV living.

Personal Effects

No matter how temporary, while you’re in it, your RV is your home. It’s filled with personal belongings and items that allow you to live comfortably. Personal effects coverage pays to replace your possessions and the items you keep and use in your RV. This includes clothing, electronic devices, and more.

Your belongings will be covered up to a specified limit, based on your policy. To determine the best policy limit, figure out what it would cost for you to replace everything in your RV, down to the smallest item.

If you own high-value items, like jewelry or collectibles, and travel with them in your RV, talk to your agent about high-value items insurance.

A deductible will apply.

Full-Timers Coverage

Living in your RV full time requires a different kind of insurance policy than part-time use. Full-timers coverage offers more liability coverage when your primary residence is your RV. You’re covered when you travel in Arizona and around the US and beyond. Full-time coverage is also available if you live in an RV during home renovations, repairs, or new construction. The primary vehicle used must also be your primary residence.

You have a variety of coverage options for full-time RV insurance including: Medical Payments, Loss Assessment, Attached Accessories, Adjacent Structures, and more. If you’re not sure whether you qualify for full-time RV coverage, talk to your insurance agent.

Medical Payments

Injuries from an accident in your RV can be expensive which is what makes medical payments coverage so important. It pays for injuries to anyone in your RV regardless of who’s at fault for the accident. The same coverage limits will apply to all vehicles on your policy.

Uninsured/Underinsured Motorist

Uninsured/underinsured motorist (UIM) coverage protects you, the people who live with you, and any other passengers in your RV when someone else is at fault for an accident but they don’t have any or enough liability insurance to pay for your damage or bodily injuries.

If you, as the named insured, request Stacked Uninsured Motorist coverage, then the policy limits for each vehicle listed on your insurance policy can be added together. This will determine the total amount that may be recovered (stacked) for all covered injuries to you and your resident relatives.

If you request Non-stacked Uninsured Motorist, then the injured person may not add or combine the coverage provided as two or more motor vehicles together to determine the limits of uninsured motorists available, except in very limited instances.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP), also known as No-Fault coverage, pays for property damage and bodily injuries regardless of whether you’re at fault for an accident or not.

PIP covers you and other residents in your RV in a few ways:

  • You and any relatives living in your RV
  • Some RV passengers who don’t have PIP coverage
  • Certain licensed drivers who have your permission to drive your RV.
  • When you’re a pedestrian or bicyclist and are injured in an accident involving a motor vehicle.
  • When you’re in someone else’s vehicle.
  • Any children who live in your household, who suffer an injury while riding on a school bus.

Standard PIP insurance pays 80% of reasonable medical expenses, 60% of lost wages and all reasonable expenses for replacement services such as child care, housekeeping, or yard work, as well as $5,000 for death benefits.

Extended Personal Injury Protection can be added for a higher premium. It pays 100% of your reasonable medical expenses and 80% of lost wages.

Personal Injury Protection Deductible allows you to choose a deductible of $250, $500 or $1,000. Your deductible is then subtracted from the available PIP benefit or the total amount you can collect based on the type of coverage you select:

  • PIP with a deductible for the named insured only means the deductible will only apply to the named insured and your spouse but not any other relatives that live with you.
  • PIP with a deductible for “Named Insured & Resident Relatives” means the deductible will apply to the named insured, your spouse, and all dependent relatives living with you.

Work Loss Exclusion allows you, as the policyholder, to exclude benefits received for loss of gross income and earning capacity from PIP coverage.

Roadside Assistance

It’s expensive to deal with your RV breaking down whether you need a tow or a repair. Roadside assistance covers a lot of situations and is designed to get you back on the road as quickly as possible. You can use your coverage 24/7 as long as you’re traveling in the United States and Canada.

Included in roadside assistance for your Arizona RV:

  • Jump start for your battery
  • Flat tire change
  • Gas brought to your RV if you run out of gas. You have to pay for the gas.
  • Towing to the nearest qualified repair facility.
  • Getting you into your RV when your keys are lost, stolen or accidentally locked inside. You have to pay to replace your keys.
  • Being pulled out of mud, snow, water, or sand with a motor-powered cable or chain. In most cases, your RV must be located within 100 feet of road or highway.
  • Up to an hour of on-scene labor if your RV breaks down.

Before you head down the Arizona highway on a new adventure, make sure your RV is well-protected with the best RV insurance you can afford. Contact Charlotte Insurance for a free quote today!