Montana LLCs are a popular strategy for RV buyers looking to avoid paying sales tax—especially on big-ticket rigs. But once your RV is titled in the name of your Montana LLC, your insurance coverage needs to match the setup.
Here’s what you should know to keep your RV both legal and fully protected:
📝 1. Yes, You Can Still Insure Your RV Personally
If you're the owner of the LLC and the RV is garaged out of state, many insurance carriers allow you to insure it under a personal-use policy. But you’ll need to disclose the LLC ownership up front.
🧠 Tip: Don’t skip this step—some claims could be denied if the title and policyholder don’t match.
🛡️ 2. LLC-Owned = Commercial by Default (Sometimes)
Some insurance carriers assume a vehicle titled to an LLC is used for business purposes. That can trigger a commercial policy requirement—which may cost more or change coverage types.
🧠 Solution: Work with an experienced agent who knows how to properly quote and write personal-use RVs held in LLCs.
📍 3. Your Insurance Should Match Where It’s Garaged
Even if the RV is registered in Montana, most carriers want to rate it based on where the RV actually stays. That means your garaging address—not just the LLC’s registration—matters.
🧠 Example: If your RV lives in Florida but is registered in Montana, you would typically want to rate the policy based on Florida, exceptions for Full Timers apply.
🤝 4. Not All Carriers Understand This Setup
Some insurance companies simply won’t write a policy for an LLC-owned vehicle that isn’t garaged in Montana. Others—like the ones we work with—do understand this setup and can quote it properly.
At Twin Peaks RV Insurance, we specialize in writing coverage for RVs registered under Montana LLCs. We work with full-time RVers, part-timers, and those purchasing rigs through Montana registered agents every day.
We’ll make sure your policy:
✅ Addresses the legal ownership
✅ Is rated in the right state
✅ Covers you properly in the event of a loss
👉 Request your quote here
Or call 800-507-8467 and speak with an agent who knows this process inside and out.