Roamly Helps You Save on Delaware RV Insurance

Journey through the First State with Roamly, your premier choice for Delaware RV insurance. From the historic streets of Wilmington to the tranquil beaches and beyond, our tailored insurance for motorhomes ensures that every part of your journey is protected and peaceful.

Understanding the uniqueness of every traveler, from history buffs touring the First State's landmarks to beachgoers soaking up the coastal charm, we customize RV coverage for every type of exploration. Our Delaware RV Insurance is crafted to meet your varied needs, offering a perfect mix of security and affordability, allowing you to explore the state's diverse attractions with confidence.

In Delaware, where history meets the horizon, your savings on RV insurance with Roamly are as memorable as the state's rich heritage and scenic beauty.

Who We Insure

At Roamly, we offer coverage options that cater to a wide variety of RV owners:

1. Full-time RVers: Those who live in their RV year-round and need full-time protection for their homes on wheels.

2. Weekend Warriors: Part-time adventurers who hit the road for weekend getaways or seasonal trips.

3. DIY Builds: Owners of custom-built campervans who need insurance tailored to their unique vehicles.

4. Commercial RV Owners: Entrepreneurs who use RVs for rental businesses, mobile offices, or travel accommodations.

Minimum RV Insurance Requirements in Delaware

In Delaware, RV insurance requirements depend on the type of RV you own:

For Motorhomes (Class A, B, and C):

If your RV is motorized, you're required by law to carry the same minimum liability insurance as standard vehicles:

1. $25,000 for bodily injury per person

2. $50,000 for bodily injury per accident

3. $10,000 for property damage per accident

For Travel Trailers and Fifth Wheels:

1. While not required by law to carry separate liability insurance (since they are towed by your vehicle), your auto insurance may only provide limited coverage.

2. Additional RV insurance is recommended to protect the trailer itself, its contents, and to provide comprehensive coverage against various risks.

This basic coverage ensures compliance with Delaware's legal requirements, but Roamly offers more extensive options to better protect your investment and provide peace of mind on the road.

How Much Does RV Insurance Cost in Delaware?

RV insurance costs in Delaware vary based on several factors:

1. Type and Class of RV: Motorhomes generally cost more to insure than travel trailers due to their size and the fact that they are self-propelled.

2. Usage: Full-time RVers may pay more than occasional users because the RV is both a vehicle and a primary residence.

3. Driving History: A clean driving record can lead to lower premiums.

4. Coverage Level: Additional coverages and lower deductibles increase premiums.

5. Location and Storage: Where you park or store your RV can affect rates due to factors like theft or weather-related risks.

Average Premiums:

1. Travel Trailers and Fifth Wheels: Approximately $250 to $500 per year.

2. Class B and C Motorhomes: Around $500 to $1,000 per year.

3. Class A Motorhomes: Typically $1,000 to $2,000 per year.

With Roamly's competitive rates and specialized RV focus, customers can save up to 35% on their premiums compared to other insurers.

Comprehensive Coverage Options for Short-Term and Full-Time RVers

Whether you're a part-time adventurer or a full-time RVer, you can customize comprehensive coverage to suit your needs.

Short-Term Use Coverage:

For weekend warriors and part-time RV owners, we provide a variety of coverage options:

1. Collision Coverage: Covers damage to your RV in case of an accident.

2. Medical Payments Coverage: Provides for medical expenses in the event of an accident.

3. Uninsured/Underinsured Motorist Coverage: Protects you if you're hit by a driver without adequate insurance.

4. Roadside Assistance: Helps you in case of a breakdown or emergency on the road.

5. Tire & Wheel Coverage: Provides protection for tire blowouts or wheel damage.

Full-Time Use Coverage:

For full-time RVers, we extend our coverage to include the following:

1. All the coverage options available for short-term coverage, plus:

   1. Full-Timer's Liability: Provides liability coverage similar to a homeowner's policy when your RV is parked and used as a residence.

   2. Personal Property Coverage: Protects your belongings inside the RV, including electronics, clothing, and other personal items.

   3. Scheduled Medical Payments: Higher limits on medical expenses after an accident.

   4. Loss Assessment: Covers fees associated with damage to shared property in RV parks or campgrounds.

   5. Emergency Expense Coverage: Reimburses you for unexpected costs such as lodging or transportation if your RV is disabled due to a covered loss.

   6. Adjacent Structures Coverage: Protects other structures, such as awnings or satellite dishes, that may be attached to your RV.

   7. 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.