Family enjoying a campsite with their RV, insured through The Insurance Specialists, Inc. — RV Insurance & Travel Trailer Insurance in Des Moines, IA

Secure Your RV Adventures Today

Travel trailers and RVs offer incredible flexibility—but they also come with their own set of responsibilities.

These vehicles are larger, more complex, and often packed with personal belongings, making them more vulnerable than your average car.

Whether you’re cruising through Iowa’s scenic highways or setting up camp for the weekend, a standard auto policy isn’t enough.

You need RV insurance and travel trailer insurance specifically designed to protect your lifestyle—from the road to the campsite and everywhere in between.

Our specialized trailer insurance policies help protect against:

  • 1

    Theft

  • 2

    Storm damage

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    Accidents that happen while parked at campgrounds

With Iowa’s unpredictable weather—think hailstorms, fallen branches, and sudden wind gusts—comprehensive coverage is essential. Our goal is to help you stay focused on your adventure, not on costly repairs or losses.

Based in Des Moines and proudly serving RV owners across Iowa, The Insurance Specialists, Inc. provides flexible, reliable RV and trailer insurance tailored to how—and where—you travel.

Get a personalized quote today and protect your next trip before it begins.

Tailored Coverage Options for Your RV Lifestyle

Not all vehicles are created equal—and the same goes for insurance. At The Insurance Specialists, Inc., we offer RV insurance and travel trailer insurance options that go beyond the basics to cover what matters most on the road.

Thanks to our partnerships with trusted carriers, you’ll have access to flexible, competitively priced plans that fit your needs and travel habits.

Here’s what you can expect from your coverage:

  • Liability Protection:

    Covers expenses if you’re at fault in a crash that results in injuries or damages to someone else’s property.

  • Collision Protection:

    Covers repair costs when your travel trailer or RV is damaged in a crash—on the road or at a campsite.

  • Comprehensive Protection:

    Handles non-collision events like fire, theft, or damage from falling debris.

  • Uninsured/Underinsured Motorist Protection:

    Steps in if you’re hit by a driver with too little (or no) insurance coverage.

  • Personal Belongings Coverage:

    Protects your valuables inside the vehicle—from camping gear to electronics and essentials.

  • Roadside Assistance:

    Get 24/7 support when you need it—towing, battery service, flat tire help, and more.

Whether you’re planning weekend getaways or long-haul adventures, our trailer insurance plans are designed to travel with you—dependable, affordable, and ready when you need them.

Why Choose The Insurance Specialists, Inc.

Selecting the right insurance provider for your travel trailer or RV is essential to protect your investment and ensure peace of mind. Here’s why RV owners trust us:

Knowledgeable Support

Rely on the guidance of our experienced team, who have in-depth knowledge of RV and travel trailer insurance, ensuring you get the protection suited to your unique needs.

Customizable Plans

Adjust your coverage to match your RV lifestyle—whether you’re planning extended road trips or only hitting the road for weekend adventures, we’ve got you covered.

Budget-Friendly Solutions

We collaborate with top-rated insurance companies to provide robust travel trailer and RV policies at competitive rates, giving you peace of mind without stretching your budget.

Dependable Coverage Partners

Our well-established relationships with leading insurers mean you’ll always have access to reliable, comprehensive insurance for your travel trailer or RV.

Travel Trailer/RV Insurance FAQs

We understand that insuring a travel trailer or RV can feel overwhelming, especially with so many coverage options to choose from. To make things easier, we’ve gathered answers to the most frequently asked questions, so you can confidently select the right insurance for your travel adventures.

Travel trailer/RV insurance typically covers physical damage to the RV, liability protection, comprehensive risks (like theft, fire, or weather damage). You can also add coverage for personal belongings, roadside assistance and more.

Yes, your RV or travel trailer requires separate insurance from your car as they are considered different vehicles with unique coverage needs due to their larger size, higher value, and unique risks.

Yes, full-time RV insurance is designed for those who live in their RVs full-time and offers additional protections, like liability coverage similar to homeowners insurance. Regular RV insurance is for occasional use.

Yes, many policies include personal belongings coverage, which protects items such as electronics, camping gear, and other valuables stored in your RV. It’s essential to check your policy limits for this protection.

Yes, many RV insurance policies offer optional roadside assistance, covering services like towing, flat tire changes, and fuel delivery in case of emergencies.

Travel trailer and RV insurance requirements depend on the type of vehicle and your location. In most states, motorhomes are required to have insurance similar to auto insurance. However travel trailers, which are towed by another vehicle may not legally require insurance, but coverage is recommended for protection.

Standard RV policies often don’t cover rentals. If you plan to rent out your RV, you may need to add rental coverage or obtain a separate rental insurance policy.

Yes, comprehensive coverage protects your RV from damage while parked, including damage from weather, falling objects, or vandalism.

RV insurance pricing depends on several factors, including the type of RV, its value, your driving history, how often you use the RV, coverage options you choose and whether you live in it full-time.

Yes, some insurers offer seasonal RV insurance, allowing you to suspend certain coverage types during off-seasons when your RV is not in use.

Our Other Recreational Insurance Services

Discover a comprehensive selection of recreational insurance services designed to protect your favorite outdoor vehicles. Click on the links below to explore coverage options that best fit your lifestyle and ensure peace of mind during your adventures.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

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