Recreational

5th Wheel

5th wheel rv insurance

A fifth wheel lets you balance your vacation priorities. You might like the space of a large RV, for instance, but also the ability to unhitch your pickup for local errands. Or maybe you want all the amenities of home — and an easy way to transport dirt bikes to your vacation spot.

Owning a fifth wheel isn’t just about getaways — it’s a big purchase. If you own one, consider getting specialized insurance.

Specialized insurance coverage

Policies cover direct and accidental physical damage to a fifth wheel, including permanently installed accessories such as: awnings, antennas and satellite dishes. The range of covered hazards includes — but isn’t limited to — lightning, flooding, landslides, wind and hail, wild animals, fire and smoke, vandalism and theft, and trees and overhangs.

Here are some situations in which Farmers fifth wheel insurance may help you:

Popular Fifth Wheel options:

A tree damages your 5th wheel

You turn too sharply while maneuvering through a wooded campground — scraping the side of your fifth wheel against a stout oak tree.

There’s a fire in your kitchenette

Your refrigerator’s compressor overheats and starts a fire. You’re able to put it out with an extinguisher, but the kitchenette is ruined.

Your awning is lost in a windstorm

A powerful windstorm rips your fabric awning away from the fifth wheel — blowing it into a nearby lake.

Your fifth wheel is vandalized

You go to pick up your fifth wheel at an outdoor storage lot only to discover a local graffiti artist has used it for practice.

Farmers offers a variety of coverage options to fit your lifestyle and travel habits. Popular fifth wheel options include:

  • Total Loss Replacement coverage can help if your new fifth wheel is declared a total loss within the first five years — providing a brand new replacement of a similar kind and quality.
  • Emergency Expense coverage can help with the cost of lodging or travel if your fifth wheel is damaged more than 50 miles from home.
  • Campsite/Vacation Liability coverage can help when a fifth wheel is parked and used as a dwelling or for recreational purposes.
  • Replacement Cost coverage can help with damaged or stolen personal belongings.
  • TraveLine Towing and Roadside Assistance can help with towing, tire changes, fluid delivery and locksmith services.
  • Full-timer coverage can help with continuous liability protection when your fifth wheel is parked and used as a dwelling or for recreational purposes.

Farmers works to build strong customer relationships

Farmers has spent 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a fifth wheel insurance quote. Be sure to let a Farmers agent deliver personalized service and support.

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

To learn how Farmers can help you protect your fifth wheel, call an agent today

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Coverage for dirt bikes, ATV’s, snowmobiles, and golf carts.
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Get a Free Quote

Thank you for your interest; please feel free to submit a quote request. If you have a question, feel free to ask! Please get in touch with us using the form below or e-mail or call us with any questions you might have.We look forward to working with you.

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Our Team

Mike Urgo
A Rhode Island native and now a Connecticut resident, Mike Urgo is a highly qualified insurance agent with years of experience. He possesses a diverse background professionally and personally.
Lynn Belanger
Lynn is currently helping manage the operations of the office and is fully licensed in Connecticut Property and Casualty Insurance.
Hannah Smith
Hannah is fully licensed in property and casualty insurance and is happy to run quotes, book policies, or answer any questions one might have.

Meet our Clients

Don't just listen to us; hear what a few of our customers had to say about their experience with Farmers.

"Exceptional customer service.  Called me back the next day with a quote.  Staff and Mike Urgo are kind, professional and ask the right questions to help clients save money while still protecting your home and vehicle with excellent insurance coverage.  Highly recommended."

Kara Crismale - ⭐⭐⭐⭐⭐
Attorney | Faulkner & Graves, PC

“Mike Urgo and the staff with Urgo Agency are amazing. Not only do they spend a lot of time giving back to our community, they are completely about educating us as consumers. He is honest (for example if the existing policy you have is good, he’ll tell you), educated in the insurance field and caring towards your family needs.   Thank you for a great experience!”

Owner | Shake It Up, LLC

"This has been the best insurance experience we have ever had. You call the office and you get an actual person who knows who you are and actually cares about your problem and helps you right away. No more long wait times and press 1 for service. I can not recommend them enough."

"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

"Mike was unbelievable! He was extremely friendly, quick and very knowledgeable. He saved me $700 a year! I would highly recommend Mike Urgo for your insurance needs!"

"Mike and his team are consummate professionals with an honest and consultative approach. Would highly recommend him for any of your insurance needs."

"Trustworthy agent who really cares about his business."