Motorhome Insurance and
Recreation Vehicle RV Insurance

There's so much to discover when you're cruising the country in your motorhome or other type of RV. Not all surprises are good ones, though, which is why it helps to have our agency. One of our helpful agents can prepare a quote for affordable, dependable motorhome RV insurance protection for yourself, your traveling companions and your RV. Then, get out there and explore.

Get Help Navigating Your
RV and Motorhome Insurance Options

Getting out of town and hitting the highway takes a fair bit of planning and effort, but protecting your motorhome doesn't have to. With your RV insurance policy a dedicated agent will be ready to answer your questions, walk you through your options, and help you:

• Take advantage of discounts and save on your premium

• Understand your coverage so you can make the best choices

• Get answers about your claim or the claims process in general

• Discover tools and tips to better protect and enjoy your RV

Your Motorhome RV insurance options

You've got all the creature comforts and the flexibility to go where you want. Since your motorhome RV has the characteristics of a vehicle and a home, you'll want to make sure you're covered from all angles. See how our Motorhome RV insurance can protect your property and your guests with quality coverage:

Bodily injury liability
Protects you and other insured drivers if one of you injures or kills someone in a covered accident you're legally liable for.

Property damage liability
Protects you and other insured drivers if one of you damages another person's property in a covered accident you're legally liable for.

Collision coverage
When your motorhome is in a covered accident, this helps pay for the damages.

Comprehensive coverage
Covers damage to your motorhome caused by falling objects, fire, theft, vandalism, flood and some other non-collision losses.

Sound system
A sound system permanently installed by the manufacturer is covered up to $2,500, minus your policy deductible.

Contents coverage
Covers property in your motorhome when it's damaged or destroyed due to fire or lightning.

Medical payments coverage
Covers necessary medical treatment if you, your family members or your passengers get injured in a covered accident.

Personal injury protection coverage (PIP)
If you, your family members, or your passengers are in a covered accident, this takes care of reasonable and necessary medical, rehab or funeral expenses. It even covers work loss, survivors' loss and essential services like household maintenance. The coverage varies by state, and you might hear it called "no-fault" insurance.

Uninsured & underinsured motorist coverage
If a driver who has no insurance injures or kills you, your family members or your passengers, this covers you. It also applies if the driver doesn't have enough insurance to cover the damage they've caused you.

Towing and labor costs coverage
If your motorhome breaks down, this covers the cost of labor done on the spot and the cost of towing.

Rental reimbursement coverage
If something happens to your motorhome related to the comprehensive or collision coverage you have, this covers the cost of renting a motorhome or automobile in its place.

Motorhome RV insurance discounts

Traveling in your Motorhome saves on dining out and booking hotel rooms. Why not save on your motorhome insurance, too? Taking a few simple steps can mean more spending money for your trips. When you talk to your agent, he or she can help you find ways to save on the coverage you choose with motorhome insurance discounts like:

Multi-policy discount
Have another policy with us? Planning to sign up for one? You can package and save.

Full-pay discount
Enjoy savings just for paying your premium in full.

Automatic Payments
Use automatic withdrawals from your checking or savings account to pay your bill and save.

Homeownership discount
Own a home in addition to your motorhome? Get a discount on your Motorhome insurance.

Call us today for your
free motorhome RV insurance quote
(952) 473-2110
MINNESOTA cities that the Jim Harper Insurance Agency serves:

Afton, Albert Lea, Andover, Annandale, Anoka, Anoka County, Apple Valley, Arden Hills, Austin, Bayport, Bethel, Blaine, Bloomington, Brainerd, Brooklyn Center, Brooklyn Park, Buffalo, Burnsville, Champlin, Chanhassen, Chaska, Cloquet, Columbia Heights, Coon Rapids, Corcoran, Cottage Grove, Cross Lake, Crystal, Dakota County, Dayton, Deephaven, Delano, Dellwood, Detroit Lakes, Duluth, Eagan, Eden Prairie, Edina, Elk River, Excelsior, Fairmont, Falcon Heights, Faribault, Farmington, Forest Lake, Fridley, Fergus Falls, Gem Lake, Golden Valley, Grand Rapids, Greenfield, Greenwood, Hamel, Hastings, Hennepin County, Hibbing, Highland Park, Hopkins, Independence, Inver Grove Heights, Lake Elmo, Lakeland, Lakeville, Lauderdale, Lexington, Lilydale, Lino Lakes, Little Canada, Long Lake, Loretto, Mahnomen, Mahtomedi, Mankato, Maple Grove, Maple Lake, Maple Plain, Maplewood, Mayer, Medina, Mendota Heights, Minneapolis, Minnetonka, Minnetonka Beach, Minnetrista, Monticello, Mound, Mounds View, Navarre, New Brighton, New Hope, Newport, North Mankato, North Oaks, North St. Paul, Norwood, Oakdale, Orono, Plymouth, Prior Lake, Ramsey, Ramsey County, Richfield, Robbinsdale, Rochester, Rockford, Rogers, Rosemount, Roseville, Savage, Shakopee, Shoreview, Shorewood, South St. Paul, Spring Lake Park, Spring Park, St. Anthony, St. Bonifacius, St. Cloud, St. Croix, St. James, St. Louis Park, St. Michael, St. Paul Park, Stillwater, Tonka Bay, Vadnais Heights, Victoria, Waconia, Washington County, Watertown, Wayzata, West St. Paul, White Bear Lake, Woodbury, Worthington, Wyoming, Young America, Zimmerman.
WISCONSIN cities that the Jim Harper Insurance Agency serves:

Allouez, Appleton, Ashwaubenon, Baraboo, Beaver Dam, Bellevue, Beloit, Brookfield, Brown Deer, Burlington, Caledonia, Cedarburg, Chippewa Falls, Cudahy, De Pere, Eau Claire, Fitchburg, Fond du Lac, Fort Atkinson, Franklin, Germantown, Glendale, Grafton, Grand Chute, Green Bay, Greendale, Greenfield, Hartford, Howard, Hudson, Janesville, Kaukauna, Kenosha, La Crosse, Little Chute, Madison, Manitowoc, Marinette, Marshfield, Menasha, Menomonee Falls, Menomonie, Mequon, Merrill, Middleton, Milwaukee, Monroe, Mount Pleasant, Muskego, Neenah, New Berlin, Oak Creek, Oconomowoc, Onalaska, Oshkosh, Pewaukee, Platteville, Pleasant Prairie, Plover, Port Washington, Racine, Richfield, River Falls, Sheboygan, Shorewood, South Milwaukee, Stevens Point, Stoughton, Suamico, Sun Prairie, Superior, Two Rivers, Watertown, Waukesha, Waunakee, Waupun, Wausau, Wauwatosa, West Allis, West Bend, Weston, Whitefish Bay, Whitewater, Wisconsin Rapids.

IOWA cities that the Jim Harper Insurance Agency serves:

Altoona, Ames, Ankeny, Atlantic, Bettendorf, Boone, Burlington, Carroll, Cedar Falls, Cedar Rapids, Charles City, Clear Lake, Clinton, Clive, Coralville, Council Bluffs, Creston, Davenport, Decorah, Denison, Des Moines, Dubuque, Estherville, Fairfield, Fort Dodge, Fort Madison, Grinnell, Hiawatha, Independence, Indianola, Iowa City, Johnston, Keokuk, Knoxville, Le Mars, Maquoketa, Marion, Marshalltown, Mason City, Mount Pleasant, Muscatine, Nevada, Newton, Norwalk, Oelwein, Oskaloosa, Ottumwa, Pella, Perry, Red Oak, Sioux Center, Sioux City, Spencer, Storm Lake, Urbandale, Washington, Waterloo, Waverly, Webster City, West Des Moines.

Our insurance agents
- Chris Zwilling, insurance agent
- Charlene Harper, insurance agent
- Jim Harper, insurance agent and agency owner
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