RV Insurance in Indiana

RV insurance is similar to auto insurance in that it protects your RV if it becomes damaged following storms, vandalism, theft, or an accident. We offer RV insurance here at CXE Insurance in New Albany, IN. RV insurance is critical to have whether you take your RV out or use it as a residence. We can help you find the right type of coverage to meet your needs.

RV Insurance Requirements

RV insurance is legally required in the state of Indiana. All RVs must at least have liability insurance, and all policies must meet the following minimum limits:

  • Bodily injury for each person for $25,000
  • Bodily injury for each accident for $50,000
  • Property damage coverage for $25,000

Liability protects you if you cause bodily injury or property damage to another person with your RV. It will also protect you against lawsuits.

RV Insurance Coverage

RV insurance covers all the following:

  • Collision: If you collide with another motorist or object with your RV, this will cover damage that your RV sustains. It will also help you to repair or replace your RV.
  • Total loss: If your RV is totaled following an accident, this will typically cover the total replacement cost so you can replace your RV.
  • Comprehensive: This covers any damage your RV sustains from theft, vandalism, debris, storms, and more. Your repair or replacement expenses are also covered under comprehensive coverage.
  • Uninsured/underinsured: This coverage protects against uninsured or underinsured drivers who cause an accident. If you are injured in the accident, this will cover your medical expenses and lost wages.
  • Vacation liability: This protects you if you plan on using your RV as a temporary residence. It can be compared to homeowners’ insurance.


To receive a quote for RV insurance, please call CXE Insurance today. Our office is located in New Albany, IN.