RV Insurance for Idaho
Roamly Helps You Save on Idaho RV Insurance
Explore the Gem State's majestic landscapes with Roamly, your trusted choice for RV insurance. Our Idaho RV insurance ensures your travels are protected and budget-friendly.
We take inspiration from Idaho's affordability in comprehensive auto insurance, ranked as one of the most affordable in the country. From those winding through the scenic byways of the Sawtooth National Forest to families camping by the shores of Lake Coeur d'Alene—we tailor our RV coverage for every kind of explorer.
Let your savings shine as brightly as Idaho's famous starry nights!
Who We Insure
At Roamly, we offer coverage options that cater to a wide variety of RV owners:
- Full-time RVers: Those who live in their RV year-round and need full-time protection for their homes on wheels.
- Weekend Warriors: Part-time adventurers who hit the road for weekend getaways or seasonal trips.
- DIY Builds: Owners of custom-built campervans who need insurance tailored to their unique vehicles.
- Commercial RV Owners: Entrepreneurs who use RVs for rental businesses, mobile offices, or travel accommodations.
Minimum RV Insurance Requirements in Idaho
The legal requirements for RV insurance in Idaho are similar to those for regular vehicles. All motorized RV owners must have the following minimum liability coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage per accident
This basic coverage ensures that you meet Idaho's legal requirements, but we offer more comprehensive options to better protect your investment and peace of mind.
How Much Does RV Insurance Cost in Idaho?
RV insurance costs in Idaho vary based on factors such as your driving history, the type and value of your RV, and the level of coverage you choose. On average, RV insurance in Idaho can range between $500 and $2,000 per year. However, Roamly customers can save up to 35% on their premiums compared to other RV insurance companies, thanks to our specialized and competitive rates tailored for Idaho's RV enthusiasts.
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:
- Collision Coverage: Covers damage to your RV in case of an accident.
- Medical Payments Coverage: Provides for medical expenses in the event of an accident.
- Uninsured/Underinsured Motorist Coverage: Protects you if you're hit by a driver without adequate insurance.
- Roadside Assistance: Helps you in case of a breakdown or emergency on the road.
- 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:
- All the coverage options available for short-term coverage, plus:
- Full-Timer's Liability: Provides liability coverage similar to a homeowner's policy when your RV is parked and used as a residence.
- Personal Property Coverage: Protects your belongings inside the RV, including electronics, clothing, and other personal items.
- Scheduled Medical Payments: Higher limits on medical expenses after an accident.
- Loss Assessment: Covers fees associated with damage to shared property in RV parks or campgrounds.
- Emergency Expense Coverage: Reimburses you for unexpected costs such as lodging or transportation if your RV is disabled due to a covered loss.
- Adjacent Structures Coverage: Protects other structures, such as awnings or satellite dishes, that may be attached to your RV.
- 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.
Why Roamly?
Competitive pricing
Roamly customers can save up to 35%* on their insurance premiums compared to other RV insurance companies.
Rental incentives
Roamly policyholders are free to rent out their rig without breaking the terms of their policy.
Full coverage
We offer coverage for all RVs, including unique inventory like DIY and uplifted Class Bs and camper vans.
Yes, RV insurance is essential in Idaho for all self-propelled RVs, including motorhomes. Similar to other vehicles, they must meet the state's minimum liability insurance requirements to legally operate on Idaho roads.
Your Idaho RV insurance should be in line with your vehicle type and usage. Mandatory liability coverage is a given, but considering Idaho's varied terrain and climate, comprehensive coverage and collision coverage are highly advisable, particularly for travel trailers and motorhomes, to fully protect against diverse risks.
In Idaho, motorized RVs typically require a separate RV insurance policy. Non-motorized RVs, like travel trailers, will need coverage confirmation from your auto policy carrier, but securing additional coverage is recommended for comprehensive protection.
Absolutely. RV insurance in Idaho is crucial for protecting your investment from accidents, theft, and natural disasters. More than a legal necessity, it serves as a comprehensive safeguard for your RV, covering a wide range of potential risks.
Comprehensive RV insurance in Idaho covers non-collision damages to your RV. This includes protection from theft, fire, vandalism, and weather-related damages, crucial for the state's diverse weather conditions and outdoor environments.
Travel trailer insurance in Idaho may cover water leaks, but coverage depends on your specific policy details. Generally, comprehensive insurance includes sudden and accidental water damage, but it usually does not cover damage from long-term leaks or neglect.
Still have questions?
Call us at 877.725.1245
Buy RV/Camper Insurance in Idaho
Roamly Helps You Save on Idaho RV Insurance
* New Roamly customers getting personal policies for travel trailers and Class B RVs tended to see the largest savings of 35% or more off their existing policies when getting comprehensive coverage in 2023. Commercial customers who saw the largest savings while switching to Roamly typically covered between 3-5 vehicles and switched from an existing commercial policy.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, Mobilitas Insurance Company, and others.
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