RV coverage guide · Middle Tennessee
How Much RV Insurance Do I Need?
Motorhomes and campers need different coverage. Here’s what to think about.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
RV owners usually want liability for driven motorhomes, physical damage that fits the RV’s value, coverage for belongings inside and, for full-timers, more home-like coverage. Towable campers are handled differently from motorhomes.
Coverage
Sizing your rv insurance, step by step
Work through these for your rv insurance. Rough answers are fine to start.
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1. Motorhome or towable
Motorhomes need liability. Towables often ride on the tow vehicle’s liability.
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2. Physical damage
Ask about agreed value, replacement cost and actual cash value.
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3. Belongings
Gear, bedding and kitchen items inside.
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4. Campsite liability
Coverage while parked at a site.
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5. Full-timers
Living in your RV needs different coverage.
This guide is general information, not advice for your situation. Coverage is subject to policy terms, underwriting and availability. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What to gather before you call about rv insurance
Having these nearby makes a rv insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Year, make, model and type
- Value and add-ons
- How often you travel
- Whether you live in it
Around Middle Tennessee
What people often miss with rv insurance
How a policy values the RV after a total loss varies widely.
Seasonal storage can change what you need.
A weekend camper parked most of the year and a motorhome you live in are very different risks. Write down how many nights a year you’re on the road, whether you tow a car behind and where the RV is stored in the off-season.
Sources: Tennessee Department of Revenue: Financial Responsibility Law
Tell us how you camp
Weekends, long trips and full-time living are different conversations.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why talk it through with a local agent?
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Middle Tennessee RV Coverage Guide FAQs
Updated
Does my auto policy cover my camper?
It may extend liability to a towed camper, but not damage to the camper itself.
What about my motorhome?
Motorhomes need their own policy.
How is an RV valued?
It depends on the policy. Ask us to compare.
Are my belongings covered?
Some policies include personal effects coverage.
I live in my RV. What changes?
Full-time use often needs more coverage.
Is roadside help available?
Some policies offer it.
Can I bundle?
Often, yes.
How do I start?
Call 615-562-5100.
Is the car I tow behind my motorhome covered?
The towed car usually needs its own auto policy. Ask how the two work together.
Does RV coverage include vacation liability at a campsite?
Some policies include campsite liability. Ask us.
Questions about your rv insurance?
Tell us a little about your situation and we’ll follow up about your rv insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about rV coverage guide or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed