Delaware RV Insurance
Delaware may be one of the smallest states in the U.S., but it packs a punch when it comes to scenic RV travel. From the sandy shores of Rehoboth Beach to the rolling countryside of the Brandywine Valley, Delaware offers RV enthusiasts a charming blend of coastal beauty and rural tranquility. Whether you’re parked at a beachside campground for the summer or cruising through the state’s quiet backroads, owning an RV in Delaware provides the perfect way to explore at your own pace.
To enjoy that freedom without worry, it’s essential to have the right Delaware RV insurance. Even in a compact state like Delaware, unexpected incidents—such as accidents, storms, or theft—can happen anytime. Motorized RVs are required by law to carry liability insurance, and even towable RVs benefit from additional coverage to protect your investment and your personal belongings. Whether you’re a seasonal traveler or a full-time RVer, having proper insurance ensures you’re prepared for the road ahead—wherever your Delaware adventure takes you.
Delaware RV Insurance Frequently Asked Questions
Yes, Delaware RV insurance is required for all motorized RVs, including Class A, B, and C motorhomes. These vehicles are considered motor vehicles under Delaware law and must meet the same minimum auto insurance requirements as cars and trucks.
For towable RVs—such as travel trailers, fifth wheels, and pop-up campers—insurance is not legally required. However, they are typically covered under the liability portion of the towing vehicle’s insurance while on the road. For full protection, including damage from weather, fire, or theft when parked or stored, separate physical damage coverage is strongly recommended.
Having the right Delaware RV insurance does more than meet legal requirements—it gives you peace of mind and financial security. A quality policy can protect you from significant out-of-pocket costs related to:
- Collision repairs or total replacement
- Weather-related damage (hail, storms, flooding)
- Theft or vandalism of the RV or personal items inside
- Medical bills or liability claims from accidents
- Emergency lodging and travel expenses if your RV becomes uninhabitable
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $10,000 for property damage per accident
RV insurance premiums in Delaware tend to be moderate compared to the national average. Your exact rate depends on factors such as the type of RV, its value, how often it’s used, and where it’s stored.
Additional factors like your driving record, usage (full-time vs. seasonal), storage security, and coverage choices (liability vs. comprehensive) will also influence your premium.
Tips for Saving on RV Insurance in Delaware
- Bundle Policies: Combine RV insurance with your auto or homeowner’s policy for potential discounts.
- Use a Secure Storage Facility: Covered or monitored storage may reduce your premium.
- Limit Mileage: If you only use your RV seasonally, report lower mileage to your insurer for potential savings.
- Install Safety Features: Anti-theft devices, smoke alarms, and backup cameras may qualify you for discounts.
- Maintain a Clean Driving Record: Fewer claims and violations often lead to lower premiums.
Testimonials
Marty Karriker is a class act! His communication and business ethics are top notch and it’s always a pleasure to work with him and his team.
- Andrew Steele (RVing with Andrew Steele)
Common RV Risks in Delaware
Delaware’s mix of coastal and inland environments brings a variety of risks that RV owners should consider when choosing insurance coverage:
- Coastal Storms & Flooding: RVs parked near the coast are vulnerable to tropical storms, heavy rain, and flooding. Comprehensive coverage helps protect against water and wind damage.
- Theft & Vandalism: Especially near public beaches or storage lots, RVs may be at risk for theft or vandalism. Protect your vehicle and contents with personal effects and comprehensive coverage.
- Winter Weather: While winters are relatively mild, snow and ice can still cause driving hazards or damage when RVs are parked outdoors.
- Accidents on Rural Roads: Delaware’s scenic backroads can pose driving challenges, especially for larger motorhomes. Collision coverage is key for protection against impact damage.
Request a Quote
Whether you’re exploring Cape Henlopen, spending weekends at the Delaware Seashore, or heading across state lines for road trips, make sure your RV is properly insured. We offer customizable Delaware RV insurance policies to meet your travel needs and budget.
Contact us today for a free quote and travel Delaware’s open roads with confidence and protection.
