Fifth Wheel Insurance

Fifth wheels are among the largest of towable RVs, requiring a special hitch that is mounted in the bed of a pickup truck to tow. They are known for their spacious interiors, often featuring multiple levels with a distinct raised living or sleeping area over the hitch area. This design allows for large living quarters and often includes luxurious amenities comparable to those found in Class A motorhomes. Insurance for fifth wheels must address both their unique towing requirements and the comprehensive needs of those using them for extended stays or full-time residence.

Insurance Needs and Coverage Options

This insurance protects against risks such as theft, fire, vandalism, and other damages not caused by a collision. It’s particularly crucial for fifth wheels due to their size and the value of their contents.
Essential for covering any damage or injuries your fifth wheel may cause to other people or property. This coverage is mandatory in most places and especially important given the potential for significant damage due to the size of fifth wheels.
Since fifth wheels often serve as long-term travel homes, this coverage is recommended to protect personal belongings like electronics, furniture, and personal items from theft or damage.
Covers you if the fifth wheel is damaged in an accident caused by another driver who does not have adequate insurance coverage.
If your fifth wheel is damaged and becomes uninhabitable while traveling, this coverage can help pay for temporary lodging and travel expenses.
When parked and used as a residence at a campsite or RV park, this insurance acts similar to a homeowners’ policy, offering liability protection for incidents that occur around or in the fifth wheel.

This option covers veterinary expenses if your pet is injured in an accident involving your RV. It ensures that your pet receives the necessary care without the added financial stress.


Roof Protection coverage helps cover the cost of repairs to your RV’s roof due to damage from environmental factors like debris, hail, or fallen branches, safeguarding against costly repairs.


Covers damages to your fifth wheel that occur from collisions, whether it’s with another vehicle or a stationary object while being towed.
For those who use their fifth wheel as a full-time residence, this coverage provides a broader protection akin to that of a homeowners’ policy. It includes extended liability for accidents occurring within or around the fifth wheel, coverage for losses due to circumstances such as burglary or environmental damage, and potential additional living expenses if the fifth wheel is damaged and temporarily uninhabitable.
Given the specific towing requirements of fifth wheels, roadside assistance can be a lifesaver. This service typically covers towing, flat tire replacement, and emergency repairs.
These can be added to cover specific external attachments and accessories common to Class A motorhomes, such as satellite dishes and awnings.
This is particularly valuable for newer models. If your fifth wheel is declared a total loss, this coverage can replace it with a new model of similar make and quality.
If the Class C motorhome has been outfitted with additional features such as satellite dishes, solar panels, or other enhancements, custom equipment insurance will cover these extras if they are damaged or stolen.
This coverage provides for repairs and cleanup if your RV is damaged by pests such as rodents or insects, helping to maintain the integrity and hygiene of your vehicle.


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)

Understanding Premiums & Deductibles

Insurance premiums for fifth wheels vary based on factors such as the value of the fifth wheel, the extent of coverage selected, and the owner’s driving history. Higher deductibles can reduce the cost of premiums, but increase out-of-pocket expenses in the event of a claim.

Customizing Your Insurance Package​

Given the variety of uses and lifestyles associated with fifth wheel ownership, from weekend getaways to full-time living, it’s essential to customize your insurance package to match your specific needs. Engaging with an insurance provider experienced in RV coverage can ensure that all aspects of your fifth wheel usage are adequately protected.

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