Coverage for Your RV & Everything Inside
Your toy hauler isn’t just an RV — and your insurance shouldn’t treat it like one. Specialty coverage for fifth wheels and travel trailers, plus the ATVs, UTVs, and motorcycles in your garage. The carriers that get the RV lifestyle.
Specialty Toy Hauler Coverage
Hauler + Garage Contents + Toys
Fifth wheel, travel trailer & OHV options
Coverage Options
Coverage for the Hauler & the Toys Inside
Five purpose-built policies for toy hauler owners — from a $120K fifth wheel to the RZR in the garage. Hauler coverage, contents, and OHV options, layered the right way.
The Problem
A standard RV policy leaves your garage contents exposed.
Toy haulers are half living quarters, half cargo hold — and standard RV policies were written for the living-quarters half. The gear in your garage, the toys you ride, and the way you actually use the rig are quietly left out.
Garage contents capped at $3K–$5K
Most RV policies give you just $3,000–$5,000 for personal property. Your ATV alone is worth $10,000–$20,000 — the cap is gone before you list three items.
Toys uninsured the moment you ride
RV personal property covers items while stored. The second you ride your ATV or UTV out of the garage, you’re uninsured unless it has its own OHV policy.
Unit undervalued at claim time
Standard carriers price a toy hauler at actual cash value and lowball MSRP. A $100,000 fifth wheel can settle at a fraction of what it costs to replace.
No full-timer or vacation liability
Living in your hauler or hosting friends at your campsite needs endorsements most standard RV policies skip entirely — until a guest gets hurt.
The real-world result
$30,000 of toys can be covered at $5,000 — if they’re covered at all.
20+ yrs
50-state licensed
Why CCA
The specialty insurer for toy hauler owners
We’re not a generalist agency guessing at toy hauler values at claim time. We know what a garage section is, we know the OHV coverage gap, and we know the markets built to underwrite this niche.
RV Specialists, Not Generalists
We know the difference between a fifth-wheel toy hauler and a Class A motorhome — and why the rear garage changes everything about how your policy should be written.
Specialty RV Markets
Access to Progressive specialty RV, National General, Foremost, and Good Sam-rated markets that actually underwrite toy haulers — not standard auto carriers that undervalue them.
We Cover the Toys Too
The ATVs, UTVs, and motorcycles in your garage usually need their own OHV policies. We layer hauler coverage + separate toy policies so you’re insured on the trail, not just in storage.
Same-Day Certificates
A campground or rental platform needs proof of insurance by tomorrow? We issue ACORD certificates and additional-insured endorsements the same day.
Licensed in All 50 States
Full-timer domiciled in South Dakota, weekend warrior in California, snowbird chasing dunes — we bind coverage exactly where you roam.
Claims Advocacy
When a loss happens, we’re in your corner — not a carrier call center that has never heard of a ramp door or a Polaris RZR.
How It Works
Get Your Toy Hauler Insured in 3 Steps
From first conversation to bound coverage — a process built for owners who would rather be on the trail than chasing paperwork.
Tell Us About Your Rig
A few quick questions: the hauler (fifth wheel or travel trailer, year, value), what you haul in the garage, and how you use it — weekends, full-time, or seasonal.
We Shop Specialty Markets
We take it to the RV carriers that actually underwrite toy haulers — and bring back options for the unit, the garage contents, and the toys, layered correctly.
Get Insured Today
Bind coverage with the right hauler + contents + OHV combination. Certificates and additional-insureds issued the same day.
Coverage Breakdown
Specialty toy hauler policy vs. standard RV
Where a standard RV policy stops short, a purpose-built toy hauler policy picks up — feature by feature.
Specialty Toy Hauler Policy
Recommended
Standard RV Policy
Typical
Garage contents at real value (not $3K–$5K cap)
Separate OHV coverage for ATVs / UTVs / motorcycles
Total loss replacement on newer units
Full-timer & vacation liability endorsements
Toys covered while riding, not just stored
Emergency expense & roadside for the rig
Aftermarket solar, generator & accessories
Specialty RV markets (Progressive / Foremost / Nat’l General)
Years Placing RV & OHV Insurance
Licensed Nationwide
RV & Toy Hauler Policies Placed
Quote Turnaround
From the Blog
Guides for toy hauler owners
Frequently Asked Questions
Toy Hauler Insurance, Answered
Real answers from RV specialists who know toy haulers — not a chatbot guessing at what a garage section or an OHV endorsement is.
At minimum: comprehensive and collision on the toy hauler unit itself, vacation liability, and personal property coverage. Additionally, ATVs, UTVs, and motorcycles in the garage need their own OHV/powersports policies for riding coverage — the RV policy doesn't cover them once they're off the ramp.
Still have questions? Talk to a toy hauler insurance specialist.
Your hauler and the gear inside deserve real coverage — not an afterthought.
Get a true toy hauler quote in minutes — hauler coverage, garage contents, and OHV options layered the right way. Same-day binding, same-day certificates, 20+ years protecting RV owners.