Roamly Helps You Save on Maryland RV Insurance

Kickstart your adventure in the Old Line State with Roamly, your premier choice for Maryland RV Insurance. Experience everything from Baltimore's lively streets to the tranquil Chesapeake Bay, with our insurance making every part of your trip secure and serene.

Maryland is the only state with an official state exercise: walking. So make sure to make the best out of it by complementing your RV adventures with a scenic exploration on foot at one of its many hiking trails!

Our policies are crafted for protection against diverse climates and traffic conditions, echoing the state's unique character. And remember, keep it cool on the roads, especially if you are in Rockville, where cursing on the road is a local misdemeanor!

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 Maryland

In Maryland, RV insurance requirements depend on whether your RV is motorized or towed:

• Motorhomes (Class A, B, and C): Must carry the same minimum liability insurance as standard vehicles.
• Towable RVs (Travel Trailers, Fifth Wheels, etc.): While liability coverage extends from the towing vehicle when on the road, additional coverage is recommended to protect the trailer itself and its contents.

The minimum liability coverage required in Maryland is:

• $30,000 for bodily injury per person
• $60,000 for bodily injury per accident
• $15,000 for property damage per accident

Additionally, Maryland requires:

• Uninsured/Underinsured Motorist Coverage: Must match the minimum liability limits to protect you if you're involved in an accident with an uninsured driver.
• Personal Injury Protection (PIP): Minimum of $2,500, covering medical expenses and lost wages regardless of who is at fault. (Note: You have the option to waive PIP in writing.)

While these are the legal minimums, we recommend higher limits and additional coverage options to fully safeguard your RV investment and personal assets, especially given Maryland's busy highways and variable weather conditions.

How Much Does RV Insurance Cost in Maryland?

RV insurance costs in Maryland vary based on several factors:

• Type of RV: Class A motorhomes generally cost more to insure than Class B or C motorhomes and towable trailers.
• Usage: Full-time RVers may have higher premiums due to increased exposure.
• Driving History: A clean record can lower your rates, while violations may increase them.
• Location: Where you park or store your RV can affect your premium due to risks like theft or weather-related damage.
• Coverage Options: Additional coverages and higher limits will increase premiums but offer greater protection.

On average, RV insurance in Maryland can range from $700 to $3,000 per year. However, with Roamly's competitive rates and specialized coverage, customers can save up to 35% compared to other RV insurance providers.

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.