RV insurance in South Carolina for motorhomes and campers

Adventure with Peace of Mind

RV protection for the road and the campsite
An RV is more than a vehicle—it’s your rolling getaway. The Sullivan Agency builds RV insurance for South Carolina travelers heading from Greenville to Paris Mountain, Lake Hartwell, or cross-country adventures. Because a motorhome or travel trailer blends auto and home exposures, we tailor coverage for driving, parking, and living, whether you’re weekending in the Upstate or touring the Blue Ridge. If your RV is part of a broader plan, we can coordinate with auto insurance on the tow vehicle and align limits with personal umbrella insurance for higher liability protection. Full-timing or snowbirding? We’ll explain how coverage shifts when your rig is your primary residence and where homeowners insurance fits (or doesn’t).

Coverage Components

What a strong RV policy can include

Person with arm in a sling.

Liability for injuries or property damage you cause while driving or parked

Black and white illustration of a recreational vehicle (RV).

Collision and comprehensive for your RV or trailer if it’s hit, rolled, stolen, or storm-damaged

Black silhouette camping scene: tent, trees, and a full moon.

Personal belongings coverage for clothing, electronics, cookware, and camping gear kept on board

Black and white icon of a trailer with two windows and a tire.

Vacation liability for injuries or damage while your RV is set up at a campsite or park

Black shield with a checkmark inside a circle, indicating security.

Full-timer coverage that functions more like a homeowners policy if you live in the RV

Black tow truck icon.

Roadside assistance and emergency expense for towing, lodging, and trip interruption after a covered loss

We’ll match settlement options (agreed value, actual cash value, or total loss replacement) to your rig’s age and value.

Types of RVs Covered

From motorcoaches to pop-ups

Class A, B, and C motorhomes; fifth wheels and travel trailers; pop-ups; toy haulers; and campervans. If you roam seasonal parks near Anderson or haul to coastal campgrounds, we’ll confirm territorial and storage terms so there are no surprises.

SC Tips, Savings & Seasonality

Set coverage to how you travel

We’ll ensure you meet South Carolina requirements and stay protected across the U.S. (and often Canada). If you store your RV off-season in Taylors or Powdersville, lay-up provisions can trim costs. Ask about discounts for claims-free drivers, anti-theft devices, and bundling with auto insurance for your tow vehicle or daily driver.

What South Carolina RV owners ask most

  • Do I need RV insurance if it’s a towable trailer?

    Your auto policy may extend some liability while towing, but the trailer itself needs its own policy for theft, collision, and comprehensive.

  • What’s different about motorhome coverage vs. auto?

    Motorhomes combine vehicle liability with living-space risks—vacation or full-timer liability, personal belongings, and emergency expenses that autos don’t address.

  • Can I insure my RV for full-time living?

    Yes. Full-timer endorsements add coverages similar to homeowners—important when your RV is your primary residence.

  • Is my gear covered outside the RV?

    Many policies include off-premises protection for personal property, subject to limits. We’ll set the right amount for your lifestyle.