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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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Why Does RV Insurance Matter?

Whether you are a seasoned RV owner or are looking to purchase, you need to think about RV insurance. Because your RV is a massive investment, you can’t leave it exposed to risks on the road and in the storage facility. You should buy coverage from Deluxe Insurance Group to protect your vehicle and yourself.

Not convinced about RV insurance? Here is why this coverage matters.

It gives you liability protection.

If there is one thing that can mess with your finances is liability claims from third parties, especially when sued. Unfortunately, liability claims are common, so you need a proper insurance plan to cover yourself. RV insurance protects you when other people accuse you of causing bodily injury and property damage. It also covers you when sued.

Asset protection

Since your RV doesn’t come cheap and it’s expensive to repair, you need insurance that protects your investment. RV insurance compensates you when your RV is damaged or stolen. While RV insurance doesn’t prevent perils from happening, it lessens your financial burden after a calamity.

It’s required

Like your vehicle, Minnesota requires all RV owners to purchase insurance. Failure to purchase the minimum required insurance may result in penalties and fines. But why go through this, you can purchase affordable coverage from Deluxe Insurance Group?

Also, if you have purchased your RV through a loan, your lender may require you to invest in RV insurance until you pay off your loan.

Peace of mind

You shouldn’t think of this and that peril when using your RV. Investing in RV insurance wipes away your worries, helping you have a relaxed time while on the road.

RV insurance in Duluth, MN

Want to invest in RV insurance? You don’t have to hop from one insurance agent to another. Partner with Deluxe Insurance Group in Duluth, MN, and we will meet all your RV insurance needs.

What Does RV Insurance Cover?

If you have an RV and plan to use it at all, you are going to want to buy insurance for it. You need it to protect your family (and your liability), just in case anything happens while you are out having fun in your RV. 

So, what does your insurance cover? 

Bodily injury liability. This will cover any medical bills that occur if you have an accident while you are in your RV. It may also help to cover the loss of income due to injuries. 

Property damage liability. This will cover any damages that occur to the other vehicles that may occur in an accident. 

Collision. If you have collision insurance, it will cover the cost to fix or replace your RV, no matter who caused the accident. 

Comprehensive. Comprehensive insurance covers other damages that may occur to your RV, including theft, damage due to fires or storms, and other things that may happen. 

Uninsured and underinsured motorists. This insurance will protect you if you get in an accident with someone who doesn’t have insurance (or doesn’t have enough). It will help cover any expenses that may occur. It will even cover hit-and-run accidents. 

Medical payments. This will cover your medical bills if you are involved in an accident, no matter whose fault it was. 

Most states require you to have bodily damage liability, property damage liability, uninsured motorists, and underinsured motorists. You may not need to have collision or comprehensive insurance, though it is a good idea if you have an expensive RV that you can’t afford to fix. 

To make sure that you are fully protected, no matter what happens, contact us today at Deluxe Insurance Group (Duluth) in Duluth, MN. 

Does RV Insurance Cover Mold And Water Damage?

In many ways, an RV insurance policy in Duluth, MN is just like a home insurance policy. If you’re a full-time RVer, this is important. You want to make sure that your home-on-wheels have the same protections you would have covered in a conventional home.

One of the ways in which your RV insurance is a lot like your home insurance is that mold and water damage are covered. These sorts of damages are covered under your comprehensive policy, which will cover the damages if your RV is damaged somehow, not related to an accident.

Note that your RV insurer will have the same expectations as a home insurer. That is, mold and water damage may be covered if they result from a storm. But they won’t be covered if they come from simple neglect. If you have a leaky pipe and you decide to let it keep leaking, then your insurer might decide that that’s your problem, not theirs.

But against all covered hazards, comprehensive insurance will protect your RV against many of the same problems you would face in a conventional home that doesn’t have any wheels on it.

Of course, none of this is true if you carry the minimum insurance on your RV. The minimum required insurance is strict liability, just like with auto insurance. You need full coverage if you want to be protected against water damage.

If you have any questions or you’re looking to get covered in Duluth, MN, call Deluxe Insurance Group or stop by our website to get in touch and see about getting a good deal on a great policy.

Partner Carriers


  • AAA
  • Acuity
  • Badger
  • Concord
  • Foremost
  • Grinnell
  • Kemper
  • Main Street America
  • MetLife
  • Nationwide
  • North Star
  • Progressive
  • Ram
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Woodland