If you just bought an RV, it’s natural to assume your regular auto insurance — or even a basic policy from whoever you called first — will cover it the same way it covers your car. It won’t. An RV isn’t just a bigger vehicle; it’s part vehicle, part home, and part investment, and it comes with exposures a standard auto policy was never built to handle.
That’s why MBG Insurance proudly represents National General, Progressive, and Liberty Mutual — three of the leading carriers in specialized RV coverage. As an independent agency, we don’t just sell one company’s policy — we shop your RV across our full carrier lineup to find the coverage that actually fits how you use it. Each of these carriers brings its own strengths to the table, but National General’s RV program is a great example of what specialized RV coverage should look like, so it’s worth a closer look.
Built for the RV Lifestyle, Not Just the Vehicle
National General designs its RV coverage around how people actually live and travel in their rigs, not just how they drive them. A few of the standout features:
- Personal Belongings Coverage – Everything from laptops to linens is covered at original cost new, not depreciated value, up to $3,000.
- Vacation Liability – Protects you when you’re parked and camping, not just while you’re on the road, where a lot of accidents actually happen.
- Specialized Equipment Coverage – If you’ve customized your RV with solar panels, custom wheels, or suspension work, that’s covered too.
- Permanent Attachments – Depreciation-free coverage for things like awnings and other fixtures built onto your RV.
- Full Replacement Cost Coverage – If your RV is totaled or stolen within its first three model years, National General will replace it with a comparable new unit. Beyond that window, you get the full original sales price toward a replacement — not a depreciated payout.
- Purchase Price Guarantee – Available through the RV’s first nine model years, paying up to the original purchase price toward a replacement.
- Countrywide Towing and Roadside Assistance – Because getting a rig towed is a different animal than towing a sedan.
- Emergency Expense Allowance – Up to $750 (with more available) toward travel expenses if you have a covered claim while on the road.
There’s also a lineup of additional coverages that come standard or can be added, including pet coverage, fire department coverage, locksmith coverage, agreed value coverage, full-timers coverage, and Mexico physical damage coverage.
Ways to Save
RV coverage isn’t just about what’s protected — it’s also about not overpaying for coverage you don’t need year-round:
- Multi-vehicle discounts — bundle your RV and auto for savings up to 20% a year, and if they’re both involved in the same claim, you only pay one deductible.
- Diminishing deductibles — your deductible drops with every claim-free year.
- Storage Savings Option — if your RV sits in storage part of the year, this suspends collision and liability coverage during that time for savings of up to 53% off your premium.
Claims Handled by People Who Actually Know RVs
A policy is only as good as the claims experience behind it. National General backs its RV coverage with claims professionals who specialize in RVs — not general auto adjusters trying to apply car logic to a 35-foot motorhome.
Why Work With an Agent Instead of Buying Online
RV policies have more moving parts than a standard auto policy, and the right coverage depends on how you actually use your RV — weekend trips, full-time living, seasonal storage, or something in between. That’s where having an independent agent matters. Because MBG represents National General, Progressive, and Liberty Mutual, we can compare RV programs across all three and match you with the carrier that actually fits your rig, your budget, and how you travel — rather than you guessing which company’s website to start with.
Ready to protect your RV the right way? Contact MBG Insurance today, and let’s make sure you’ve got an agent in your corner — not just a policy number.
By Jordan Lair, MBG Insurance, Licenced agent in the Springfield, Missouri Office.