Maryland RV Insurance
From the scenic Chesapeake Bay to the forested foothills of western Maryland, RV ownership in this mid-Atlantic state offers a rich variety of travel experiences. Whether you’re camping in Deep Creek Lake, tailgating in Baltimore, or beach-hopping along the Eastern Shore, RVing in Maryland brings a unique blend of city access and outdoor beauty. For weekend warriors and seasonal campers alike, the ability to roam freely while carrying the comforts of home is a key reason people invest in an RV.
But Maryland’s proximity to coastal storms, high-traffic urban areas, and varying elevation zones also means RVs face a range of risks. With the right Maryland RV insurance, you can protect your rig against damage, loss, and liability—whether you’re parked, in transit, or preparing for winter storage.
Maryland RV Insurance Frequently Asked Questions
Yes, Maryland requires liability insurance for all motorized RVs, including Class A, B, and C motorhomes. These vehicles must carry minimum liability coverage to be registered and legally operated on public roads. Towable RVs like travel trailers and fifth wheels are not required to carry their own insurance, though they are covered under the towing vehicle’s policy while being pulled.
Still, many trailer owners choose additional insurance to protect against theft, weather damage, or fire when their RV is not attached to a vehicle or is parked for extended periods.
Maryland’s diverse climate and population density make RV insurance especially important. From heavy I-95 traffic to severe summer storms and coastal flooding, RVers in Maryland face a variety of threats. Insurance isn’t just about legal compliance—it’s about protecting the time and money you’ve invested in your vehicle, your gear, and your travels.
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $15,000 for property damage per accident
Note: These are Maryland’s minimum requirements. Many RVers increase their liability limits and add extra protection to cover potential storm damage, vandalism, or campsite incidents.
RV insurance premiums in Maryland are influenced by a number of factors, including your RV’s class and value, how often you use it, where it’s stored, and your personal driving history. Those who park their RVs near the coast or use them year-round may see higher rates. Conversely, seasonal users and those who store their RVs indoors may qualify for discounts.
Adding optional coverage—like personal effects, roadside assistance, or replacement cost—can increase your premium, but also offer stronger protection for Maryland’s unpredictable conditions.
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 Maryland
Whether you’re parked by the bay or traveling through mountain roads, RVs in Maryland face a mix of environmental and man-made risks. Some of the most common include:
- Coastal Storms: Hurricanes and tropical storms can bring high winds and flooding to the Eastern Shore.
- Traffic Accidents: Congested roads around Baltimore and D.C. increase the risk of collisions and liability claims.
- Winter Weather: Snow and ice can lead to frozen pipes or water damage if your RV is not properly winterized.
- Theft or Vandalism: RVs parked in unsecured lots or urban areas may be targeted for break-ins.
- Water Intrusion: Humid conditions and heavy rainfall can lead to mold, roof leaks, and interior damage.
Recommended Coverage for RV Owners in Maryland
To stay protected year-round in Maryland’s varied climate and traffic zones, many RV owners build policies that include both standard and optional protections:
- Comprehensive Coverage: Protects against theft, storm damage, fallen trees, and other non-collision incidents.
- Collision Coverage: Pays for damage to your RV after a crash, regardless of fault.
- Vacation Liability: Provides liability coverage when your RV is being used as a temporary residence.
- Personal Effects Coverage: Covers belongings inside your RV, including camping gear, tech, and furniture.
- Roadside Assistance: Offers towing, tire changes, fuel delivery, and lockout help—especially useful in rural western areas.
- Full-Time RV Insurance: Ideal for RVers who use their vehicles as a primary residence, with extended coverage for liability and contents.
- Emergency Expense Coverage: Helps cover hotel and meal costs if your RV is damaged during travel.
Unique Aspects of RV Ownership in Maryland
Maryland’s geography means RVers can camp by the ocean one weekend and explore mountain forests the next. This range of environments calls for insurance that can adapt to both rural and urban risks. Many Maryland RV owners participate in seasonal travel—heading to Ocean City in summer or western campgrounds in fall—and store their RVs off-season.
Others take their rigs on the road for sports events, festivals, or out-of-state trips. In each case, flexible coverage that includes storage protection, personal property insurance, and liability safeguards is critical to staying protected year-round.
Request a Quote
Whether you’re a seasonal camper or a full-time explorer, our tailored Maryland RV insurance policies help you hit the road with confidence. Request a quote today to start your journey with the right protection.
