RV and Camper Insurance in Lynchburg, VA for Travelers and Locals

Coverage That Travels With You

Whether you're headed to Smith Mountain Lake for a weekend or living full-time on the road, your RV needs more than auto insurance alone. Hedges Insurance Agency offers RV insurance in Lynchburg, VA tailored to how, when, and where you travel. We’ll help you protect your investment from both driving risks and stationary hazards, offering policies built for Class A, B, and C motorhomes, campers, and towables.

RV parked in a forest campsite, awning extended, with bicycles and greenery surrounding it.
Family roasting marshmallows by a campfire near a camper van.

Coverage Options for Every Kind of Rig

RV and camper insurance can go beyond basic liability to include personal property protection, campsite and vacation liability, roof and awning coverage, total loss replacement, and even pet injury protection. Whether your RV stays parked in Campbell County or you take it across the country, we’ll help you choose the right level of protection from trusted carriers.

Who We Insure

We help insure full-timers, retirees, road trippers, and first-time camper owners across Central Virginia. Clients in Bedford, Amherst, and surrounding counties rely on us for responsive answers, quick paperwork, and coverage that works—whether you live in your RV or just use it a few times a year.

Frequently Asked Questions About RV Insurance

  • What type of insurance do I need for an RV in Virginia?

    Most RVs in Virginia require at least liability coverage. If you finance or lease your RV, you’ll likely need comprehensive and collision as well. We also recommend personal effects coverage and roadside assistance depending on how often and where you travel.

  • Does camper insurance cover theft or weather damage?

    Yes, if your policy includes comprehensive coverage. This can protect your RV from storm damage, fire, vandalism, or theft while parked or stored.

  • Is RV insurance more expensive for full-time use?

    Full-time RV insurance typically costs more than part-time policies because the risk exposure is higher. These policies often include additional living expenses and higher liability limits, which we can help you compare.

  • Can I get insurance for a camper trailer I tow behind my car?

    Absolutely. We offer coverage for pop-up campers, travel trailers, and fifth wheels that are towed. These can often be bundled with your auto insurance for a discount.

  • Do I need RV insurance if I only use it a few times a year?

    Yes, we still recommend year-round coverage, especially for theft, storm damage, or vandalism while in storage. We can customize your policy so it reflects limited use and reduces cost.

Let’s Get You Rolling

Whether you're upgrading rigs or planning your first trip, we’re here to answer your questions and get you covered quickly. Our team will help you compare RV insurance options based on how and where you travel—and we’ll be here when you come home.