Start your exploration of the Peace Garden State adventure with Roamly, the premier choice for North Dakota RV Insurance. Navigate the vast prairies and the dramatic Badlands with our specialized motorhome coverage, crafted to protect you against the state's climatic extremes.
In the heart of North America, the Peace Garden State unfolds as an RVing paradise, from the geographical center to the serene expanse of Theodore Roosevelt National Park. Our insurance for motorhomes in North Dakota ensures that your journey is smooth, from the snowy depths of winter to the calm summer days.
Roamly invites you to experience the varied beauty of North Dakota, from its historic trails to majestic vistas, with insurance as reliable as the enduring spirit of this storied state.
At Roamly, we offer coverage options that cater to a wide variety of RV owners:
Full-time RVers: Those who live in their RV year-round and need full-time protection for their homes on wheels.
Weekend Warriors: Part-time adventurers who hit the road for weekend getaways or seasonal trips.
DIY Builds: Owners of custom-built campervans who need insurance tailored to their unique vehicles.
Commercial RV Owners: Entrepreneurs who use RVs for rental businesses, mobile offices, or travel accommodations.
In North Dakota, all motorized RVs must meet the state’s minimum liability insurance requirements, which include:
$25,000 for bodily injury per person.
$50,000 for bodily injury per accident.
$25,000 for property damage per accident.
These minimums ensure compliance with state laws, but additional coverage is highly recommended to protect your investment and provide peace of mind while traveling in diverse conditions, from snowy winters to summer storms.
RV insurance costs in North Dakota vary depending on factors like your RV type, usage, driving history, and coverage levels. On average, RV insurance premiums in North Dakota range between $600 and $3,500 annually.
With Roamly, you could save up to 35% on premiums compared to other providers. Our efficient and specialized underwriting ensures competitive rates tailored to your lifestyle and needs.
Whether you're a part-time adventurer or a full-time RVer, you can customize comprehensive coverage to suit your needs.
For weekend warriors and part-time RV owners, we provide a variety of coverage options:
Collision Coverage: Covers damage to your RV in case of an accident.
Medical Payments Coverage: Provides for medical expenses in the event of an accident.
Uninsured/Underinsured Motorist Coverage: Protects you if you're hit by a driver without adequate insurance.
Roadside Assistance: Helps you in case of a breakdown or emergency on the road.
Tire & Wheel Coverage: Provides protection for tire blowouts or wheel damage.
For full-time RVers, we extend our coverage to include the following:
All the coverage options available for short-term coverage, plus:
Full-Timer's Liability: Provides liability coverage similar to a homeowner's policy when your RV is parked and used as a residence.
Personal Property Coverage: Protects your belongings inside the RV, including electronics, clothing, and other personal items.
Scheduled Medical Payments: Higher limits on medical expenses after an accident.
Loss Assessment: Covers fees associated with damage to shared property in RV parks or campgrounds.
Emergency Expense Coverage: Reimburses you for unexpected costs such as lodging or transportation if your RV is disabled due to a covered loss.
Adjacent Structures Coverage: Protects other structures, such as awnings or satellite dishes, that may be attached to your RV.
Diminishing Deductibles: Reduces your deductible the longer you remain claim-free.
No matter what kind of RV lifestyle you have, we have the right coverage options to give you peace of mind on the road and at home.
Roamly Helps You Save on North Dakota RV Insurance
* New Roamly customers getting personal policies for travel trailers and Class B RVs tended to see the largest savings of 35% or more off their existing policies when getting comprehensive coverage in 2023. Commercial customers who saw the largest savings while switching to Roamly typically covered between 3-5 vehicles and switched from an existing commercial policy.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.