There’s nothing quite like the freedom of the open road in Maine — the quiet backroads winding through pine forests, the salty breeze of the coast near Ogunquit, or the rolling farmlands around Kennebunk. For many Mainers, a recreational vehicle isn’t just transportation — it’s a way of life. Whether you’re cruising in a motorhome, camping lakeside in a travel trailer, or hitting the road for a family summer trip, your RV represents freedom, comfort, and adventure.
At Sevigney Lyons Insurance Agency, we believe your RV deserves the same protection as your home or car — because for many, it’s both. As your local, independent insurance agency based right here in Maine, our mission is simple: to help you find the best recreational vehicle insurance coverage that keeps you protected wherever your travels take you.
Maine’s beauty draws thousands of RV travelers every year — but it also comes with unique risks. From long winters and icy roads to narrow coastal routes and seasonal storage, owning an RV here means being prepared for more than just sunny summer drives.
RV insurance helps protect you financially if something unexpected happens — whether that’s a roadside accident on Route 1, storm damage while parked at a Wells campground, or theft while your camper’s in storage for the winter.
Many RV owners assume their auto or homeowners insurance provides coverage, but those policies often don’t fully protect recreational vehicles. Without specialized RV coverage, you might be left paying out of pocket for expensive repairs, medical costs, or liability claims.
That’s where Sevigney Lyons comes in. We help you understand your options, explain coverage in plain language, and make sure you’re never caught off guard. You focus on the adventure — we’ll handle the protection.
RV insurance is designed to safeguard not just your vehicle, but the entire lifestyle that comes with it. Here’s a look at what your policy can include — and how it keeps you covered from the driver’s seat to the campground.
RV insurance is designed to safeguard not just your vehicle, but the entire lifestyle that comes with it. Here’s a look at what your policy can include — and how it keeps you covered from the driver’s seat to the campground.
If your RV is damaged in an accident — whether you collide with another vehicle, a guardrail, or a tree branch on a backroad — collision coverage helps pay for repairs or replacement. Maine’s scenic but sometimes narrow roads make this especially important.
Protects against damage from non-collision events like theft, vandalism, fire, flooding, falling branches, or even wildlife encounters. Maine’s changing seasons and rural terrain mean comprehensive coverage is a must.
If you’re at fault in an accident that causes injury or property damage, liability coverage helps protect your finances. It covers legal fees, medical expenses, and damages for others involved — providing peace of mind every time you hit the road.
Not everyone on Maine’s roads carries enough insurance. This coverage protects you if another driver is responsible for an accident but can’t cover the damages.
Your RV isn’t just a vehicle — it’s a home on wheels. This coverage protects the personal belongings inside, from kitchen supplies to camping gear, electronics, and clothes.
If you break down on the Maine Turnpike near Biddeford or get stuck in mud at a campsite, towing and roadside assistance can get you back on your way quickly.
When your RV is parked and being used as a temporary residence — such as at a campground in Kennebunk or along the coast — this coverage protects you if someone is injured at your site.
If you live in your RV full-time, your needs go beyond part-time or seasonal coverage. This policy provides protection similar to a homeowners policy, designed for life on the road.
No matter what type of RV you own, Sevigney Lyons can help you protect it with customized coverage from trusted national carriers. We offer insurance for:
• Motorhomes (Class A, B, and C) — From luxury bus-style rigs to compact camper vans.
• Travel Trailers — Including tow-behind models, fifth wheels, and toy haulers.
• Pop-Up Campers — Ideal for weekend adventurers looking for affordable protection.
• Truck Campers — For those who love spontaneous road trips and off-grid camping.
• Park Model RVs — Stationary RVs used seasonally in Maine campgrounds.
We understand each RV is different — in size, use, and value — which is why our agents take time to match your lifestyle with the right policy. Whether you travel a few weekends a year or live on the road full-time, we’ll find coverage that fits your journey.
RV insurance rates can vary based on the vehicle type, its value, how often you use it, and where it’s stored. In Maine, most RV owners can expect to pay anywhere from $25 to $75 per month, depending on their coverage level.
For example:
• A small pop-up camper might only need basic liability coverage, keeping costs low.
• A new Class A motorhome with luxury features may require comprehensive protection.
At Sevigney Lyons, we don’t believe in one-size-fits-all. Our agents work with top-rated insurers to find the most affordable RV insurance options for your specific situation — without cutting corners on protection.
We’ll even help you explore discounts for things like:
• Safe driving history
• Multi-policy bundles (auto + home + RV)
• Seasonal or storage periods
• Anti-theft devices and safety features
Want a personalized quote? Contact our team today — we’ll walk you through your options and find coverage that gives you confidence and value.
We’re more than just an insurance agency — we’re part of the Maine community. Founded and rooted in Wells, we’ve been serving neighbors across Kennebunk, Biddeford, Ogunquit, and beyond for decades.
When you choose Sevigney Lyons Insurance, you’re not calling a national hotline or waiting on hold for hours — you’re working with real people who live where you live, drive the same roads, and understand what it means to own an RV in New England.
Here’s why RV owners throughout Maine trust us:
1. Local Knowledge
We know Maine’s driving conditions, weather patterns, and seasonal risks. Our guidance is based on real local experience — not generic advice.
2. Independent Agency Advantage
As an independent agency, we’re not tied to one carrier. We shop multiple top-rated insurance companies to find the best recreational vehicle coverage for your needs and budget.
3. Personalized Service
You’re not just a policy number here. We take the time to explain coverage in plain terms, review your policy annually, and make adjustments as your lifestyle changes.
4. Fast, Friendly Claims Support
If something happens on the road, our local agents are here to guide you through the claims process — ensuring a smooth, stress-free experience.
5. Maine Values
Integrity, honesty, and reliability — those aren’t just words to us. They’re the foundation of every client relationship we build.
Yes. Standard auto insurance doesn’t cover RV-specific risks like onboard equipment, personal belongings, or liability while parked as a residence.
If your RV is motorized (like a motorhome), yes — Maine requires at least minimum liability coverage. Towable RVs like trailers may not be legally required but are still strongly recommended.
Yes, personal property coverage can protect your furniture, electronics, and other items stored in your RV.
Many Maine RV owners choose seasonal coverage adjustments. We can help you customize your policy for storage periods to save money while staying protected.
Full-timer coverage offers the same protection as a homeowners policy, designed for year-round RV living.
When it comes to protecting your recreational vehicle in Maine, you deserve more than an online quote generator — you deserve real guidance from people who understand your lifestyle.
At Sevigney Lyons Insurance, we take the time to learn about your RV, how you use it, and what matters most to you. Then we design a policy that provides complete protection for your travels, storage, and everything in between.
Whether you’re a first-time RV owner in Wells or a seasoned road tripper from Biddeford, our local agents make it easy to get covered with confidence.
Don’t wait until something happens to discover your coverage gaps.
Reach out to the team at Sevigney Lyons Insurance Agency today and let us help you find the best RV insurance coverage in Maine — designed for the way you travel and the adventures you love.
• Call us: 207.646.8388
• Visit us: 1662 Post Road, Wells, Maine 04090
Your next journey deserves the protection of a trusted Maine insurance partner. Get a free Maine RV Insurance Quote Today!
