RV Insurance for Minnesota
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.
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 for all self-propelled RVs in Minnesota, including motorhomes. The state mandates liability insurance that meets its minimum requirements, similar to standard automobile insurance, to ensure coverage in case of accidents.
Your RV insurance in Minnesota should be tailored to your vehicle and how you use it. While liability coverage is mandatory, considering the state's diverse climate and terrain, comprehensive coverage and collision coverage are highly recommended, particularly for travel trailers and motorhomes.
For motorized RVs in Minnesota, a separate RV insurance policy is required. Non-motorized RVs, like travel trailers, will need coverage confirmation from your auto policy carrier. However, additional coverage is advised for complete protection, especially given the state’s severe weather conditions.
Certainly. RV insurance in Minnesota is crucial for protecting your investment from accidents, theft, and the state's challenging weather, including severe winters and occasional tornadoes. It's not just a legal requirement but a comprehensive shield for your RV.
Comprehensive RV insurance in Minnesota covers non-collision-related damages. This includes protection against theft, fire, vandalism, and particularly weather-related damages, a significant consideration due to Minnesota's diverse climate.
Travel trailer insurance in Minnesota may cover water leaks, but this depends on the specifics of your policy. Comprehensive insurance typically includes sudden and accidental water damage but does not usually cover long-term leaks or neglect-related issues.
Still have questions?
Call us at 877.725.1245
Buy RV/Camper Insurance in Minnesota
Roamly Helps You Save on Minnesota 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, and others.
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