Navigate the breathtaking landscapes of the Grand Canyon state with Roamly, your trusted partner for RV Insurance in Arizona. From the vibrant cities to the majestic desert vistas and everything in between, our customized motorhome insurance ensures that every mile of your journey is protected and peaceful.
Understanding the diversity of every traveler, from those seeking solace in the serene deserts to the adventurers living their dream amidst the cacti and canyons, we tailor RV coverage for every exploration. Our motorhome insurance in Arizona provides a mix of affordability and security, empowering you to explore diverse terrains confidently.
With Roamly, your Arizona RV insurance will be just as grand as the canyons!
At Roamly, we offer coverage options that cater to a wide variety of RV owners:
Full-time RVers: Those who live in their RV year-round and need full-time protection for their homes on wheels.
Weekend Warriors: Part-time adventurers who hit the road for weekend getaways or seasonal trips.
DIY Builds: Owners of custom-built campervans who need insurance tailored to their unique vehicles.
Commercial RV Owners: Entrepreneurs who use RVs for rental businesses, mobile offices, or travel accommodations.
In Arizona, the legal requirements for RV insurance depend on the type of RV you own:
If your RV is motorized, Arizona law requires you to carry the same minimum liability insurance as other motor vehicles:
$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$15,000 for property damage per accident
This liability coverage ensures that you can cover costs associated with injuries or property damage you may cause to others in an accident.
Non-motorized RVs, such as travel trailers, fifth wheels, and pop-up campers, are generally covered under the liability portion of the towing vehicle's auto insurance policy while on the road. However, this coverage:
May Not Cover Physical Damage: Damage to the trailer itself may not be included.
Excludes Personal Belongings: Contents inside the trailer are typically not covered.
Doesn't Protect When Parked: Coverage may not apply when the trailer is unhitched or parked at a campsite.
Recommendation: It's advisable to obtain separate RV insurance for complete protection of your non-motorized RV and its contents.
RV insurance costs in Arizona vary based on several factors:
Type and Class of RV: Larger, more expensive RVs cost more to insure.
Usage: Full-time RVers may pay higher premiums than occasional users.
Driving History: A clean driving record can lower your rates.
Coverage Levels: Higher coverage limits and additional options increase premiums.
Location: Areas prone to natural disasters like wildfires or floods may affect costs.
Average Annual Premiums:
Motorhomes: Between $800 and $3,000
Travel Trailers: Between $300 and $1,000
Roamly Savings: Our customers can save up to 35% on their premiums compared to other RV insurance companies, thanks to our specialized and competitive rates.
Whether you're a part-time adventurer or a full-time RVer, you can customize comprehensive coverage to suit your needs.
For weekend warriors and part-time RV owners, we provide a variety of coverage options:
Collision Coverage: Covers damage to your RV in case of an accident.
Medical Payments Coverage: Provides for medical expenses in the event of an accident.
Uninsured/Underinsured Motorist Coverage: Protects you if you're hit by a driver without adequate insurance.
Roadside Assistance: Helps you in case of a breakdown or emergency on the road.
Tire & Wheel Coverage: Provides protection for tire blowouts or wheel damage.
For full-time RVers, we extend our coverage to include the following:
All the coverage options available for short-term coverage, plus:
Full-Timer's Liability: Provides liability coverage similar to a homeowner's policy when your RV is parked and used as a residence.
Personal Property Coverage: Protects your belongings inside the RV, including electronics, clothing, and other personal items.
Scheduled Medical Payments: Higher limits on medical expenses after an accident.
Loss Assessment: Covers fees associated with damage to shared property in RV parks or campgrounds.
Emergency Expense Coverage: Reimburses you for unexpected costs such as lodging or transportation if your RV is disabled due to a covered loss.
Adjacent Structures Coverage: Protects other structures, such as awnings or satellite dishes, that may be attached to your RV.
Diminishing Deductibles: Reduces your deductible the longer you remain claim-free.
No matter what kind of RV lifestyle you have, we have the right coverage options to give you peace of mind on the road and at home.
Roamly Helps You Save on Arizona RV Insurance
* New Roamly customers getting personal policies for travel trailers and Class B RVs tended to see the largest savings of 35% or more off their existing policies when getting comprehensive coverage in 2023. Commercial customers who saw the largest savings while switching to Roamly typically covered between 3-5 vehicles and switched from an existing commercial policy.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.