Roamly Helps You Save on Minnesota RV Insurance
Begin your North Star State adventure with Roamly, the premium choice for top-tier Minnesota RV Insurance. Travel from the streets of Minneapolis to the serene wilderness of Superior National Forest, all while enjoying the security of our comprehensive coverage.
Designed for every kind of explorer, our Minnesota RV and Camper insurance offers robust protection, whether you're a weekend wanderer or a permanent road dweller. Embrace the varied seasons and landscapes of the state, from snowy retreats to sunny highways, with confidence.
With Roamly, your travels through Minnesota's captivating scenery are as protected as they are memorable, ensuring peace of mind on every mile.
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 Minnesota
The legal requirements for RV insurance in Minnesota are similar to those for regular motor vehicles. All RV owners must have the following minimum liability coverage:
$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$10,000 for property damage per accident
This basic coverage ensures that you meet Minnesota’s legal requirements, but we offer more comprehensive options to protect your rig better against the state's unique environmental and road-related risks.
How Much Does RV Insurance Cost in Minnesota?
RV insurance costs in Minnesota vary based on factors such as your driving history, vehicle type, and the level of coverage you choose. On average, RV insurance can range between $700 and $3,500 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 to Minnesota's specific insurance landscape.
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.
