7224 Forestview Lane North Maple Grove, MN 55369  ♦  (952) 473-6584  ♦  info@ranagency.com

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MN RV Insurance Policy

Recreational Vehicle (RV) enthusiasts are a unique and passionate group of individuals. They understand that traveling is more than just getting from point A to point B—it’s about the entire journey and the memories created along the way. While RV owners cherish the freedom and adventure that comes with being on the road, many of them mistakenly believe that RV insurance is similar to standard car insurance. This misconception can lead to potential financial hardships in the event of an accident.

RAN Agency: Insurance Specialists in Maple Grove, MN

At RAN Agency, we recognize that RV owners have specific insurance needs that differ from those of conventional vehicle owners. Our experts in Maple Grove, MN, are here to guide you through the process of selecting the appropriate insurance coverage for your recreational vehicle.

Why RV Insurance is Different from Car Insurance

RV InsuranceWhile there may be some similarities between car and RV insurance, the differences are significant. RVs are typically larger and more expensive than traditional cars, which means repairs and replacement costs will also be higher. Additionally, RV owners may need coverage for the belongings they carry inside their vehicles, as well as protection against potential liabilities related to their RV usage.

What Proper RV Insurance Should Cover

When selecting insurance for your recreational vehicle, it’s essential to ensure that your policy includes the following key factors:

Comprehensive and Collision Coverage: This will cover the cost of repairs or replacement if your RV is involved in an accident, damaged by natural disasters, or suffers from vandalism.

Liability Coverage: This protects you against any legal and medical expenses in case of an accident where you’re determined to be at fault.

Contents Coverage: Since RVs often serve as a home away from home, it’s crucial to protect your personal belongings inside the vehicle.

Vacation Liability Coverage: This covers you for potential liabilities that may arise when using your RV as a temporary residence.

Emergency Roadside Assistance: If your RV becomes disabled due to a breakdown or an accident, this coverage ensures that you receive the help you need on the road.

At RAN Agency, we understand that each RV owner’s requirements may differ, which is why our Insurance Specialists in Maple Grove, MN, are dedicated to helping you find a tailored policy that meets your specific needs. Our goal is to ensure that you can continue experiencing the joys of RV travel with peace of mind, knowing that you are protected in the event of any unforeseen circumstances.

Who needs RV insurance?

There are several classes of recreational vehicles and they each need special insurance:

Standard Motorhome Insurance

Standard insurance policy coverage will depend on your RV. Units that are motorized need the same kind of coverage as your car.


If you only plan to vacation once or twice a year, you may be able to get by with seasonal coverage. Trailer RVs will need insurance coverage for damage, both on and off the road.

Options for Your RV Insurance Policy

When you insure your RV, you might want to consider these important options:

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your RV.

It is crucial for RV owners to recognize that their insurance needs are distinct from those of traditional vehicle owners. By investing in proper RV insurance, you safeguard not only your valuable asset but also your incredible journey. Contact our professional team at RAN Agency today to discuss the best insurance options for your recreational vehicle.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.

Free RV Insurance Quote


Office: (952) 473-6584
Fax: (952) 473-7089

7224 Forestview Lane North

Maple Grove,MN55369


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