Recreational

Motor Home

RV insurance Mystic, CT

There’s a motor home for just about any taste and budget. You might have something basic — just enough to add a few amenities to your camping trips. Perhaps you retired, sold the house and travel full-time in a luxuriously outfitted 40-foot RV. Maybe you split the difference with a Class C motor home you can easily store in your driveway.

Any motor home is a significant purchase — and, while it might seem like a house on wheels, that doesn’t mean your home or auto insurance policy provide the coverage you want. Your Farmers® agent can tell you about insurance designed for your RV.

What Does Recreational Vehicle Insurance Cover?

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

A standard Farmers RV insurance policy may help with potential risks like these:

A low-hanging branch causes damage

As you’re pulling into the campground, a low-hanging branch damages your satellite dish and cracks a skylight.

You don’t see an obstacle behind you

While backing your RV into a parking spot, you don’t see low concrete poles protecting the water hookup. The collision leaves your motor home with a crumpled bumper and broken spare tire cover.

Your motor home has flood damage

You’re parked next to a river that floods unexpectedly after a heavy rainstorm — leaving your motor home sitting in three feet of water.

You can also customize your RV insurance coverage with a number of options:

  • Total Loss Replacement coverage can help if your new motor home 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 motor home is damaged more than 50 miles from home.
  • Campsite/Vacation Liability coverage can help when a motor home is parked and used as a vacation residence.
  • Replacement Cost coverage can help if personal belongings are destroyed or stolen.
  • TraveLine Towing and Roadside Assistance can help with towing, tire changes, fluid delivery and locksmith services.
  • Full-Timer coverage can help with personal liability protection when your motor home is parked and used as a dwelling for an extended period of time.


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 motor home 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 motor home, call an agent today for a free RV insurance quote. Our agents can discuss your specific insurance coverage needs and provided cost estimates for a motor home policy.

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Coverage for dirt bikes, ATV’s, snowmobiles, and golf carts.
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5th Wheel

Unique risks come from 5th wheel trailers. Our coverage is designed for just that.
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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."