Roamly Helps You Save on Iowa RV Insurance

Start your Iowa adventure confidently, backed by Roamly's best-in-class RV insurance. More than sprawling cornfields and rich agricultural heritage, the Hawkeye State offers a tapestry of scenic drives and tranquil retreats, all more enjoyable with our comprehensive camper insurance.

In the state where innovation meets the heartland, we provide services that blend modern protection with traditional values. Whether cruising the Great River Road or unwinding near Spirit Lake, our Iowa RV insurance caters to every explorer's needs, ensuring security and affordability.

Let us help your savings on RV insurance flourish like the greenery of Iowa!

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 Iowa

The legal requirements for RV insurance in Iowa depend on the type of RV you own:

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

Since motorhomes are motorized vehicles, Iowa law requires you to carry the same minimum liability insurance as for cars:

• $20,000 for bodily injury per person
• $40,000 for bodily injury per accident
• $15,000 for property damage per accident

This basic liability coverage ensures you meet Iowa's legal requirements, protecting you against financial liability if you're at fault in an accident causing injury or property damage to others.

For Towable RVs (Travel Trailers, Fifth Wheels, Pop-Up Campers):

Towable RVs are not required by law to have separate liability insurance, as they are covered under the towing vehicle's policy while on the road. However, this coverage is limited:

• Liability Coverage: Your auto insurance extends liability coverage while towing, but only for damages you may cause to others.
• Physical Damage and Contents: Your auto policy typically does not cover damage to the RV itself or your personal belongings inside.

Recommendation: Purchasing separate RV insurance is highly recommended to protect your investment against a range of risks, including theft, vandalism, weather-related damages, and more.

How Much Does RV Insurance Cost in Iowa?

RV insurance costs in Iowa vary based on several factors:

• Type of RV: Motorhomes generally cost more to insure than towable RVs due to their higher value and the fact that they are motorized.
• Usage: Full-time RVers may have higher premiums due to increased exposure to risks.
• Coverage Levels: Higher coverage limits and additional coverages increase premiums.
• Driving Record: A clean driving record can help lower your rates.
• Location: Where you store and travel with your RV can affect your premium.

Average Costs:

• Motorhomes: Typically range from $800 to $1,500 per year.
• Towable RVs: Generally range from $300 to $800 per year.

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

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.