Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
RVs, motorhomes and campers bring the kind of trips people plan their year around. They are also part vehicle and part home, and insurance treats those two halves very differently.
At a glance
RV coverage at a glance
What we write
RVs, motorhomes, campers, fifth wheels and travel trailers.
Motorhome
Liability plus physical damage, rated as a vehicle you drive.
Travel trailer or fifth wheel
Insured as property. Towing liability generally comes from the tow vehicle.
The home coverages
Personal effects, attached equipment, emergency expenses, vacation liability.
Full-timer status
If the RV is your residence, say so. It changes the policy fundamentally.
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A motorhome drives itself, so it needs liability the way a car does, plus physical damage on a large and expensive body. A travel trailer or fifth wheel does not drive itself, so its liability while moving typically comes from the truck towing it, while the trailer itself is insured as property.
That distinction decides what you actually need to buy. Getting it wrong in either direction is common: people over-insure a trailer for liability it does not create, and under-insure a motorhome for a body that costs a great deal to repair.
The home half brings its own coverages. Personal effects inside the RV, awnings and attached equipment, emergency expenses if a breakdown strands you somewhere, and vacation liability while you are set up at a site.
These policies can cover liability, collision damage, passenger injuries, and special equipment. Which of those apply depends on which kind of rig you own.
Be honest about this one at quote time. It is the single biggest factor in whether a claim gets paid.
Seasonal or recreational use
The RV is a second vehicle used for trips and stored between them.
You have a permanent residence insured on its own homeowners or renters policy.
Standard RV coverage is written on that basis, and priced accordingly.
Storage-period comprehensive still matters, because most claims happen parked.
Full-timer coverage
The RV is your primary residence for extended periods of the year.
The policy adds personal liability and coverages closer to a homeowners policy.
Contents limits are set much higher, because everything you own is in it.
It must be disclosed at underwriting. Discovered at claim time it is a serious problem.
An RV is often something people saved and planned for over years. As an independent Peoria agency we can set the carriers that specialize in rigs against the standard ones and match the policy to how you really use yours.
The West Valley has a lot of snowbird traffic and a lot of rigs that sit eight months of the year, so the storage conversation matters here more than it would elsewhere. We will look at how it is stored and whether the policy is priced for that instead of for constant use.
What we will ask about the rig
Class A, B or C motorhome, fifth wheel, or travel trailer
How many nights a year you are in it, and whether any stretch counts as full-timing
Where it is stored, covered or open, on your property or at a yard
What is attached: awning, satellite, solar, generator, levelling system
What travels inside it, since personal effects have their own limit
Foremost is a long-standing specialty market for RVs and is among the carriers we represent, alongside the standard ones.
The two halves
Look at the rig in the drawing as two things at once. From the front axle forward it behaves like a vehicle: liability, collision, comprehensive, all rated on how it moves and where it goes.
From the door back it behaves like a small home: contents, attached equipment, the awning, the appliances, and a liability exposure while it is parked and people are around it. That parked-and-set-up exposure is called vacation liability and it is a separate item on most policies.
If you live in it for extended stretches, that is a different policy again. Full-timer coverage looks much more like a homeowners policy bolted onto a vehicle policy, and a carrier that discovers it after a claim rather than at underwriting is a bad outcome for everybody.
A motorhome carries road liability of its own. A towed trailer usually does not, and is insured as property while the tow vehicle carries the liability.
In their words
5.0 stars across Google and Facebook
“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
RY
Ramez Y.
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
I had a fantastic experience with Shield of Faith Insurance! Mena was incredibly patient and took the time to walk me through every detail of the coverage options. He made sure I understood the benefits clearly and only recommended what truly made sense for my specific situation. Thanks to Mena, I now have an auto policy that provides much better coverage at a significantly lower cost than what I was paying before. The entire process was smooth and efficient. He handled most of the backend work, which saved me a lot of time and hassle. If you're looking for an honest, knowledgeable, and helpful insurance agent, I highly recommend Mena at Shield of Faith Insurance!
Sara Z. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
Does my auto insurance cover my travel trailer?
Your auto policy generally extends liability to a trailer while you are towing it, which is why a trailer does not need its own road liability. It does not cover physical damage to the trailer, its contents, or your liability while it is parked and set up. Those need an RV policy.
What is full-timer coverage?
It is RV insurance written for people whose RV is their residence for extended periods. It adds personal liability and higher contents limits, much closer to a homeowners policy. It has to be disclosed when the policy is written, not after a claim.
Do I need RV insurance while it is in storage?
Yes, and this is where a large share of claims come from. Theft, fire, hail, monsoon damage and vandalism all happen to parked rigs. Some carriers offer a reduced storage-period rate rather than requiring you to carry full coverage year round, so ask.
Are my belongings inside the RV covered?
Personal effects coverage is a separate limit on an RV policy and it is often set low by default. If you keep tools, electronics, outdoor gear or bikes in the rig, ask for that limit to reflect it.
Do you insure fifth wheels and campers as well as motorhomes?
Yes. We write RVs, motorhomes, campers, fifth wheels and travel trailers. The coverage structure differs between a driven motorhome and a towed trailer, and the quote starts with which one you have.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options and find affordable coverage. Whether you need auto insurance, homeowners insurance, life insurance, or specialty coverage in Peoria, AZ, we're here to help.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
A real person from our office calls you back with real numbers.2
No robo-dialers and no spam calls.3
You pick the coverage, we handle the paperwork.Service area
We write RV insurance in Arizona for motorhomes, fifth wheels and campers, including RV insurance in Peoria, AZ and across the snowbird communities of the West Valley. Camper insurance in Arizona, motorhome insurance in Arizona and travel trailer insurance are three different policy shapes for three different rigs, so the quote starts with which one is parked outside.
The 60 second version
Tell us what you own and how to reach you. We will do the comparing.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Ask us whether your policy is priced for that. Several carriers offer a storage-period rate and most owners are never told.
