Tennessee RV & Trailer Insurance
Travel confidently with reliable RV insurance coverage
Whether heading out on a cross-country road trip or a family camping adventure, our RV, motorhome, and trailer insurance options can provide you with the coverage you need. RV owners in Tennessee need insurance to safeguard their investment and ensure financial protection in accidents, theft, or natural disasters. Equally important is liability coverage, should you be involved in an accident or damage someone else’s property. Farm Bureau Insurance offers the ideal solution for those looking to explore the Volunteer State’s scenic destinations in their RV.
Explore our motorhome and RV insurance coverage options
Before heading out on your next adventure, find the right coverage to fit your needs.
Bodily Injury Liability Insurance
What's Covered?
This liability insurance covers claims and your defense costs if you are legally liable for a vehicle accident that injures someone else.
Why do I need this?
Tennessee drivers are required to have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage.
Collision Coverage
What’s covered?
Collision insurance covers the cost of damages to your RV or motorhome in cases of accidents, such as collisions with other vehicles or objects like trees or median strips. When you’re choosing your collision insurance deductible, keep in mind that opting for a lower deductible means you’ll have to pay less upfront for repairs when needed, but your monthly premium will be higher. On the other hand, a higher deductible will lower your monthly premium but require you to cover more of the repair costs out-of-pocket.
Why do I need this?
Tennessee drivers who lease or finance an RV or motorhome may be required to purchase collision insurance by their lender.
Property Damage Liability Insurance
What’s covered?
Property damage liability insurance covers claims and your defense costs if you are legally liable for an auto accident that damages the property of others.
Why do I need this?
The state of Tennessee requires that drivers have a minimum of $25,000 per accident in property damage liability insurance coverage.
Comprehensive Coverage
What's covered?
Comprehensive insurance pays for damages to your RV caused by things other than collisions, such as fire, theft, flood, hail, vandalism, hitting a bird or animal, or glass breakage.
Why do I need this?
Tennessee drivers who lease or finance an RV may be required to purchase comprehensive insurance by their lender. Avoid unexpected expenses that can drain your finances with comprehensive insurance coverage for your vehicle.
Other Coverages
Medical Payments Coverage
Pays medical expenses caused by an auto accident to you or others in your auto.
Uninsured Property Damage Coverage
Covers the cost of damages to your auto and property in your auto if it is hit by an uninsured or underinsured motor vehicle.
Uninsured Bodily Injury Coverage
Pays damages if you or others in your vehicle are injured by an uninsured or underinsured motor vehicle.
Road Side Assistance Reimbursement
Pays a fixed amount for towing to the nearest service station if your auto is mechanically or electrically disabled, mechanical first aid at the place of disablement, or locksmith service if the keys are locked in your auto.
Does my vehicle qualify for motorhome or RV insurance?
Types Of Motorhomes:
Class A: Class A motorhomes are the largest and most luxurious RVs. They are typically built on a heavy-duty chassis and resemble a bus in appearance. These motorhomes offer spacious living areas, full kitchens, bathrooms, and a variety of amenities. Class A motorhomes are suitable for long-term travel and often come with slide-outs to increase interior space.
Class B: Class B motorhomes, also known as camper vans, are the smallest of the three classes. They are built on standard van chassis and are more compact. Class B motorhomes provide basic amenities such as a small kitchenette and a compact bathroom. They are ideal for solo travelers or couples looking for a more nimble and maneuverable RV.
Class C: Class C motorhomes are a middle ground between Class A and Class B. They are built on truck chassis with an over-cab sleeping area, which differentiates them from Class A models. Class C motorhomes offer a combination of space and mobility, with a variety of amenities, making them suitable for families and larger groups.
Explore our trailer insurance coverage options
Collision Coverage
What’s covered?
Collision insurance covers the cost of damages to your travel trailer in cases of accidents, such as collisions with other vehicles or objects like trees or median strips. When you’re choosing your collision insurance deductible, keep in mind that opting for a lower deductible means you’ll have to pay less upfront for repairs when needed, but your monthly premium will be higher. On the other hand, a higher deductible will lower your monthly premium but require you to cover more of the repair costs out-of-pocket.
Why do I need this?
Tennessee drivers who lease or finance a travel trailer may be required to purchase collision insurance by their lender.
Comprehensive Coverage
What’s covered?
Comprehensive insurance pays for damages to your travel trailer caused by things other than collisions, such as fire, theft, flood, hail, vandalism, hitting a bird or animal, or glass breakage.
Why do I need this?
Tennessee drivers who lease or finance a travel trailer may be required to purchase comprehensive insurance by their lender. Avoid unexpected expenses that can drain your finances with comprehensive insurance coverage for your vehicle.
Does my vehicle qualify for trailer insurance?
Types of trailers
Cargo trailers
Travel trailers
Horse trailers
Fifth-wheel trailers
Pop-up campers
Slide-in truck campers
Utility trailers
Camper toppers
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When you're ready, protect what matters most
Common questions about RV & trailer insurance
How much does RV insurance cost?
The cost of RV insurance varies significantly depending on factors such as the type of RV, its value, your location, driving history, and coverage needs. Talk to your local Farm Bureau Insurance agent today to get a free quote for RV insurance.
Do you have to insure an RV?
In most states, you are not legally required to insure your RV. However, it's highly advisable to have RV insurance, especially if you want to protect your investment and cover potential liabilities. Campground or RV park operators may also require insurance for entry.
How do I insure a camper or travel trailer?
To insure a camper trailer, you can follow a similar process to insuring a travel trailer. Contact your local Farm Bureau Insurance agent to discuss your options. You can either add it to your existing auto policy or purchase a separate camper trailer insurance policy tailored to your specific needs and budget.
Not sure what kind of coverage you need?
Speak with a local Farm Bureau Insurance agent today.
