RV Insurance

5th Wheel RV

Whether you are a Full-Time RV'er or use your RV only occasionally, RV Insurance requires the proper type of research to be sure to protect yourself and your family.

We chose to be an independent agency so we could provide our clients with the best possible coverage, based on their particular needs! We are licensed in both South Dakota (SD) and Arizona (AZ).

Our agency represents several "A" rated companies, which enables us to find the best possible RV insurance rate, while keeping your best interests in mind.


Below is just a sampling of the various types of RV's that Dougherty & Associates Insurance provides coverage for - campers to Horse Campers to 5th Wheels and Motorhomes.

Shasta Camper with 56 Chevrolet

Beautiful & Simple Camper

Renegade Horse Camper RV

Horse Camper RV

Class A Diesel Pusher RV

Elegant Motorhome

5th Wheel RV Camper

Popular 5th Wheels

We are working for YOU, not the Insurance Company - a major advantage!

Not only do we provide conventional Recreational Vehicle coverage, but at Dougherty Assoc, we provide specialized policies for the Full-Timer ~ those clients who need a Full-Time RV Liability package for their Recreational Vehicle, while they travel the States!

As a Full-Time RV'er, does your insurance policy carry all the coverages you need? Your RV is more than just an automobile, and the coverage you choose should protect more than just what a typical auto policy covers.

Here are some of the specialized coverages offered by carriers that write policies specifically for Full-Time RV'ers:

1) Full~Timer's Liability Coverage ~ this is similar to a homeowner's policy, and provides bodily injury and property damage liability coverage in the event you become legally responsible for. This is critical for those who no longer own a home and truly live in their RV year round.

2) Total Loss Replacement / Purchase Price Guarantee ~ provides you with a new, untitled RV if your RV is five model years old or less and is deemed a total loss. If an RV older than five years is deemed a total loss, the payout will be the purchase price as reflected on the Declarations page.

3) Personal Effects (Contents) Coverage ~ provides coverage for your personal belonging that are located in-and-around your RV.

4) Emergency Vacation Expense ~ pays up to the specified limits for reasonable temporary living facilities and transportation expenses if the RV becomes disabled due to a covered loss.

So, how much does RV Insurance Cost?

To get an RV Insurance Quote, click on our SD Vehicle Ins Quote Request Form link to fill out our questionnaire.

All of the information is pertinent in order to provide you with an accurate quote.

If you prefer to talk to someone, please call our office at 605-361-6318 and we will be happy to help you.

Or, use our Contact Us form to get a motorhome insurance or travel trailer insurance quote!


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