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Best Homeowners Insurance Agencies in Baton Rouge

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2023
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A Ace Insurance Agency, Inc. logo

A Ace Insurance Agency, Inc.

2834 S Sherwood Forest Blvd Ste B8, Baton Rouge, LA 70816
  • Renter's Insurance
  • Flood
  • Multiple Policy Types
  • Homeowners

Business Description

A Ace Insurance Agency Inc. is an independent home insurance agency serving the residents of Baton Rouge, that works in collaboration with multiple insurance carriers, such as Progressive and Lighthouse, to provide clients with options for covering their homes and condos. These policies cover damage to the home and buildings on the property, such as sheds and garages. A Ace Insurance Agency Inc. also sells auto and commercial coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Airline Insurance Agency LLC logo
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License Verified:

License: Verified

Louisiana Department of Insurance

Airline Insurance Agency LLC

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9253 Airline Hwy., Baton Rouge, LA 70815
  • Personal Property Insurance

Business Description

Airline Insurance Agency LLC is a full-service insurance company serving clients in Baton Rouge and the surrounding localities. The firm supports individuals and families in shopping for the best homeowners' insurance policy most suitable to their lifestyle. Its independent insurance agents represent multiple carriers and create a customized insurance plan tailored to their clients' individual needs. The company also offers auto, flood, boat, motorcycle, and commercial insurance. The firm has been insuring people and businesses since 1990.

License Verified:

License: Verified

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (15)
Yelp
3.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Banner Insurance Agency logo
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License Verified:

License: 88556

Louisiana Department of Insurance

Banner Insurance Agency

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5559 Plank Road, Baton Rouge, LA 70805
  • Renter's Insurance
  • Condos
  • Homeowners
  • Landlords

Business Description

Banner Insurance Agency is a Baton Rouge-based business that serves residential and commercial clients. Included in its wide range of products is home insurance, which helps pay for repair and replacement costs in case of damage resulting from fire, explosions, and theft. The company also offers flood, earthquake, and windstorm insurance, which may be added to standard home insurance policies. It also provides protection for mobile homeowners, renters, and landlords. Banner Insurance Agency has been operating since 1979.

License Verified:

License: 88556

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (32)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Blumberg and Associates, Inc - Baton Rouge logo
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License Verified:

License: 181663

Louisiana Department Of Insurance

Blumberg and Associates, Inc - Baton Rouge

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8560 Jefferson Highway, Baton Rouge, LA 70809
  • Renter's Insurance
  • Flood
  • Multiple Policy Types
  • Homeowners

Business Description

Blumberg & Associates, Inc - Baton Rouge is a full-service independent insurance agency servicing Baton Rouge clients. It offers a wide range of homeowners insurance coverage options to protect clients from unforeseen losses. Additional lines of insurance are also available for high-value homes, rental dwellings, and secondary residences. Clients may also avail of coverages in addition to the basic homeowners policy, like vehicle, calamity, or jewelry insurance. Blumberg & Associates also offers commercial insurance to small and large businesses.

License Verified:

License: 181663

Louisiana Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (10)
Google
4.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bourg Insurance logo

License Verified:

License: 7475

Louisiana Department of Insurance

Bourg Insurance

37410 Ascension Parish Rd Suite B, Prairieville, LA 70769
  • Renter's Insurance

Business Description

Bourg Insurance is an independent agency helping clients in Baton Rouge protect their properties through home and renters' insurance policies. It offers dwelling and personal possession coverages for accidental damage, fire, natural disaster, theft, and vandalism. The basic plans can be expanded through supplemental covers for flood damage, car and personal liability, additional temporary living expenses, and floater properties like jewelry, clothing, and art. Bourg Insurance, established in 1958, also offers life, health, business, and commercial insurance.

License Verified:

License: 7475

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Burnett Insurance Services logo
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License Verified:

License: 871083

Louisiana Department of Insurance

Burnett Insurance Services

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11857 Bricksome Ave Suite A, Baton Rouge, LA 70816
  • Multiple Policy Types

Business Description

Burnett Insurance Services is an independent agency catering to the risk management needs of the Baton Rouge metro. Its insurance agents assist clients in choosing homeowners' insurance plans to protect their properties and personal belongings. These agents perform comparison shopping from among various insurance carriers like Safeco and Kemper, and they also guide in selecting additional options such as medical coverage, landlord protection, and personal liability inclusion. They provide policyholders with assistance in claims processing. The agency also serves Mississippi and Texas.

License Verified:

License: 871083

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Coastal Louisiana Insurance logo
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License Verified:

License: 761453

Louisiana Department Of Insurance

Coastal Louisiana Insurance

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1669 Lobdell Avenue, Baton Rouge, LA 70806
  • Renter's Insurance
  • Homeowners

Business Description

Coastal Louisiana Insurance is a full-service agency servicing the Baton Rouge community. Its founder, Jeremy Jay Robicheaux, has more than 12 years of experience in the insurance industry, including financial advisory and real estate investing. The agency uses data and cloud-based technology to provide different types of policies, including a wide range of homeowners' coverage options. Its team of professional agents also specializes in high-value homes and offers insurance plans for renters, automobiles, and businesses. Services are available in English and Spanish.

License Verified:

License: 761453

Louisiana Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gabisa Insurance Agency, LLC logo

Gabisa Insurance Agency, LLC

13231 Perkins Rd, Baton Rouge, LA 70810
  • Renter's Insurance
  • Flood
  • Homeowners
  • Landlords

Business Description

Gabisa Insurance Agency is a local, family-owned insurance agency serving the New Orleans metropolitan, Baton Rouge, and Lafayette areas, with offices in Baton Rouge and Kenner. The company provides personal and commercial property insurance including homeowners, renters, landlords, builders risk insurance, and flood insurance. Licensed in property and casualty, life and health, and surety bonds, Gabisa Insurance Agency's staff can assist customers in English or Spanish and can provide a commissioned notary public for the state of Louisiana.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hays Insurance Group logo
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License Verified:

License: 684051

Louisiana Department Of Insurance

Hays Insurance Group

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11715 Bricksome Avenue, Baton Rouge, LA 70816
  • Renter's Insurance
  • Condos
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Hays Insurance Group is an independent insurance agency based in Baton Rouge. It represents individuals for their home insurance needs. It offers various insurance policies, including liability, medical expenses, personal property, and property coverage. Its plans can cover homeowners financially for damages or loss caused by fire, injury, or theft. The company's insurance specialists tailor specific packages to its clients' needs and risks. They help find the best policy and settle claims quickly.

License Verified:

License: 684051

Louisiana Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Laurin Maier logo
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License Verified:

License: 314704

Louisiana Department Of Insurance

Laurin Maier

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7035 Jefferson Highway, Baton Rouge, LA 70806
  • Homeowners

Business Description

Laurin Maier is an insurance agent based in Baton Rouge who has been practising her profession since 2004. She handles home, renters', and condo insurance. She also crafts policies for auto, life and business insurance and provides financial services and relocation assistance. Additionally, she caters to small business owners' commercial insurance needs. Laurin is a third-generation insurance broker from Pineville who strives to provide efficient and professional services to her clients.

License Verified:

License: 314704

Louisiana Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.0 / 5 (59)
Facebook
4.9 / 5 (32)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lewis Mohr Insurance Agency logo

Lewis Mohr Insurance Agency

11051 Coursey Blvd, Baton Rouge, LA 70816
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Founded in 1968, the Lewis Mohr Insurance Agency is an independent insurance and risk management company located in Baton Rouge, Louisiana. Agency representatives search dozens of insurance carriers to find clients coverage that matches their risk at a competitive rate. Most policies include the home's structure, items inside the house, and detached buildings, such as garages, sheds, and gazebos, and liability protection, the cost of living during repairs and add another policy for flood damage

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lohman & Lohman Insurance Services logo

Lohman & Lohman Insurance Services

10124 Jefferson Hwy, Baton Rouge, LA 70809
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Lohman & Lohman Insurance Services leverages more than 30 years of expertise to help homeowners throughout the greater Baton Rouge, Louisiana, area find the home insurance products they need. Established in 1983, it works with each homeowner to determine how much protection they need before comparing policy coverage, deductibles, and rates from its partner network. General loss and basic liability coverage are available from underwriters such as Foremost, American Modern, and Imperial Fire & Casualty.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.4 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Meagan Faulk logo
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License Verified:

License: 743036

Louisiana Department of Insurance

Meagan Faulk

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8480 Bluebonnet Blvd Suite C, Baton Rouge, LA 70810
  • Multiple Policy Types

Business Description

Meagan Faulk has been working as a State Farm Insurance agent since 2017. With over 20 years of experience serving homeowners and families in Baton Rouge, she and her team provide coverage options to protect clients' real estate and personal properties. The policies they offer include car, life, renters', and homeowners' insurance. Faulk is also well versed in small business, commercial vehicle, and professional liability insurance. Her agency aims to support the local community and schools through Quotes for Good Campaigns.

License Verified:

License: 743036

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (311)
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
MidSouth Insurance Agency logo
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MidSouth Insurance Agency

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4603 Bluebonnet Boulevard, Baton Rouge, LA 70809
  • Multiple Policy Types
  • Homeowners

Business Description

MidSouth Insurance Agency is a business that serves individuals, businesses, and churches in the Baton Rouge area. The independent agency has been serving the local community for over 60 years. It helps clients get quotations for homeowners' and auto insurance. The policies it provides include coverage for home damage and theft of personal belongings. MidSouth Insurance Agency is also currently insuring over 150 religious organizations and is part of a network of over 350 companies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mitch Mula logo

License Verified:

License: 332086

Louisiana Department of Insurance

Mitch Mula

18291 Highland Road Suite 104, Baton Rouge, LA 70810
  • Multiple Policy Types

Business Description

Mitch Mula is a State Farm insurance agent who serves individuals and businesses in Baton Rouge. He offers coverage options that help homeowners protect their properties and their personal belongings, including pictures, jewelry, and collectibles. The agent assesses the value and potential coverage of clients' homes to determine a plan suitable for them. He also provides auto, life, health, and business insurance products. Mitch has been serving the metro since 2013. He has earned the State Farm Ambassador Travel Qualifier title.

License Verified:

License: 332086

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (98)
Facebook
4.6 / 5 (32)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Preferred Insurance Agency logo
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License Verified:

License: 715357

Louisiana Department of Insurance

Preferred Insurance Agency

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11847 Bricksome Ave A, Baton Rouge, LA 70816
  • Renter's Insurance

Business Description

Preferred Insurance Agency provides coverage solutions to the people of Baton Rouge. It handles both personal and business lines of insurance, which include coverage premiums for homes. The homeowners' policy reimburses the cost of repairing the property's structure and replacing contents following covered events, such as severe weather damage, home invasions, and vandalism. The firm works with various carriers, including MetLife, Safeco, Foremost Insurance Group, and Centauri Insurance, to choose the right coverage option for clients.

License Verified:

License: 715357

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tharpe Family Insurance logo

Tharpe Family Insurance

609 N Range Ave, Denham Springs, LA 70726
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Tharpe Family Insurance in Denham Springs, Louisiana, provides home insurance for those in the Baton Rouge metro area. The agency offers coverage for homeowners against damage to or destruction of their dwelling, including specific policies to protect owners of manufactured homes and against damage caused floods. Tharpe Family Insurance is a member of Professional Insurance Agents of Louisiana, providing additional personal and business coverage, including options for auto, general liability, and commercial property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Brignac Group logo

The Brignac Group

11420 Airline Hwy, Baton Rouge, LA 70816
  • Renter's Insurance
  • Fire
  • Flood
  • Multiple Policy Types
  • Homeowners

Business Description

The Brignac Group is an independent insurance agency located in Baton Rouge, Louisiana. Since 1984, it has provided individuals, families, and businesses with home, auto, commercial, and group health insurance throughout Louisiana. It is a full-service insurance company that provides clients with coverage for their dwellings and attached structures, for other unattached structures, possessions, loss of use coverage to pay for costs of living, personal liability as well as medical payments for minor injuries.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tibbetts Insurance Services logo

Tibbetts Insurance Services

12057 Old Hammond Highway, Baton Rouge, LA 70816
  • Renter's Insurance

Business Description

Tibbetts Insurance Services assists homeowners in Baton Rouge who need their places protected. The policies offered by the agency defend individuals' primary, secondary, and seasonal houses from floods, fires, and strong winds. These contracts cover cases of theft and personal injuries suffered by visitors in the premises. The firm also protects automobiles and watercraft against loss or damage. Tibbetts Insurance Services is a family-owned and independent group whose providers include Progressive, Imperial Fire and Casualty, Foremost, and Centauri.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.6 / 5 (10)
Google
4.6 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tyner / Jeter Insurance Agency, LLC. logo
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License Verified:

License: 564009

Louisiana Department of Insurance

Tyner / Jeter Insurance Agency, LLC.

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5139 Bluebonnet Blvd, Baton Rouge, LA 70809
  • Multiple Policy Types

Business Description

Tyner / Jeter Insurance Agency, LLC, serves individuals and businesses in Baton Rogue. The independent agency offers coverage options that protect clients' residential properties from losses. Its team assists its clients in finding a plan that repairs and replaces their belongings in case of fire, theft, vandalism, and other events. In addition, it provides auto, boat, life, health, and business insurance products. The agents of the company have more than 100 years of combined experience in the insurance industry.

License Verified:

License: 564009

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.3 / 5 (4)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.