Recreational Vehicle Insurance

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coverage for wherever you roam

RV Insurance for Southern Indiana Travelers

Whether you’re exploring the backroads of Kentucky or parking lakeside for a long weekend, HBS Insurance helps you travel with confidence. We provide customized recreational vehicle insurance for RV owners across Jeffersonville, Clarksville, and the greater Louisville region. Our team will help you find affordable, dependable coverage for vehicles such as boats, motorcycles, RVs, ATVs and travel trailers—so you can focus on the journey ahead.

What We Can Help You With

What’s included in RV coverage

RV insurance protects your vehicle, belongings, and liability exposure while on the road or parked at a campsite. It combines elements of auto and  homeowners insurance to cover both driving and living situations unique to RV travel.

Collision and comprehensive coverage

Pays for damage to your RV caused by an accident, theft, fire, vandalism, or weather-related event.

Liability coverage

Covers injury or property damage you may cause while driving or parked at a campsite.

Personal property protection

Covers personal items like clothing, electronics, and camping gear stored inside your RV.

Vacation liability

Helps pay for accidental damage or injuries that happen while your RV is used as a temporary residence.

Roadside assistance

Covers towing, flat tires, and emergency services if you break down on the road.

Full-timer’s coverage

Provides extra protection for people who live in their RV full-time, similar to a homeowners policy.

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quick answers for RV owners

Frequently Asked Questions

  • Is RV insurance required in Indiana?

    Yes. If your RV is motorized and driven on public roads, state law requires liability coverage. Towable trailers may not require separate policies but are still recommended for full protection.

  • Does my auto policy cover my RV?

    Standard auto insurance typically doesn’t cover RVs or the personal belongings inside. A dedicated RV policy offers broader protection.

  • Can I insure my RV seasonally?

    Yes. We offer flexible policy options for part-time travelers who use their RV only during certain months.

  • Does coverage include my attached equipment or awnings?

    Most policies can include attachments and accessories — our agents will help confirm your coverage limits.