Insuring your RV is crucial, whether you intend to live in your RV full-time or use it for infrequent trips.

Like auto insurance, an RV insurance policy provides financial protection within the event of accidents, injuries and other unlucky scenarios. This implies it may reimburse you for repairs, hospital bills and offer liability protection within the event you injure someone or damage their property.

Read on for our list of the very best RV insurance firms and learn select the coverage that matches your needs.

Our Top Picks for the Best RV Insurance Corporations

Best RV insurance reviews

Why we selected this company: Good Sam Insurance Agency is the very best option for many who need assistance selecting coverage. It connects you with a few of the very best RV insurance firms and helps you get a comprehensive policy that matches your needs.

Good Sam works with well-known insurance firms like Progressive, Foremost, SafeCo and National General. Some standard insurance options you possibly can get through Good Sam include comprehensive, collision, liability, property damage and private injury protection.

Other add-ons include full alternative cost, personal belongings and emergency expenses. The agency may even assist you customize a full-time RV insurance policy should you use it as a everlasting residence.

Good Sam can also be a wonderful option for individuals who drive their RV across the border to Mexico. The corporate partners with MexicoInsuranceOnline.com, which might pair you with one among three different Mexico-based insurers. Agents can recommend add-ons on your cross-border travels based in your specific needs and you should purchase policies for a single-day trip or longer.

It also offers a storage discount, which allows you to pause collision and liability coverage when your motorhome or trailer is stored for greater than 30 consecutive days. This may assist you save on monthly premiums should you only use your RV for infrequent road trips.

Why we selected this company: RVInsurance.com can assist you find an acceptable policy, whether you employ your RV for vacationing or as your residence.

RVInsurance.com works with Foremost, National General and Safeco. These corporations cover all kinds of RVs, from motorhomes to campers. They provide several policy add-ons, comparable to full alternative cost, full-timer’s liability coverage and roadside assistance.

You possibly can get an insurance quote online, but an insurance specialist can assist you compare policies should you call.

Why we selected this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free in the course of the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts that may assist you save on premiums. Nationwide’s discount list, nevertheless, is especially extensive, with over 10 discount options available.

You possibly can lower your expenses should you bundle your RV policy together with your existing home insurance, take safety courses, belong to an RV organization (comparable to the National RV Association), pay the annual policy upfront or purchase the corporate’s Full Timer’s package.

Note that not all discounts are listed on Nationwide’s website, and a few only come up in the course of the quoting process. For instance, in response to a customer support representative, additionally they offer other discounts for installing safety features comparable to a tire-pressure monitoring system or a fiberglass body.

Their standard policy includes liability, collisions, medical payment, uninsured/underinsured motorists and comprehensive coverage. Additional endorsements include roadside assistance, towing and labor, vacation liability, safety glass alternative, alternative costs and Mexico coverage.

Why we selected this company: Full alternative cost coverage can normally only be bought during an RV’s first model yr. National General, nevertheless, allows you to get the rider inside an RV’s first five model years.

With full alternative cost coverage, also generally known as total loss alternative, your RV gets replaced with a brand new or similar one if it’s totaled or stolen. You may also get reimbursed for the unique purchase price of the vehicle.

One of these coverage is often only available for newly purchased motorhomes or travel trailers up to 1 or two model years old. For instance, a 2023 model would probably be eligible until 2025. So should you buy a used RV or don’t insure your latest one as soon as possible, you run the danger of your vehicle being considered ineligible.

With National General, then again, RVs are eligible during their first five model years. The corporate can even insure your RV whether you are the first owner or not — some corporations limit the sort of coverage to original owners.

The corporate allows you to pause your coverage when your RV is in storage, an option not available with many other providers. You possibly can lower your expenses by suspending collision and private injury riders, for instance. Nevertheless, your RV would still be covered against theft, fires, harsh weather and other non-collision accidents.

Why we selected this company: Progressive offers disappearing deductibles, accident forgiveness and an in depth array of discounts.

With Progressive, you possibly can save on premiums should you’re the RV’s original owner or should you pay your policy upfront, amongst other discounts. Nevertheless, what makes Progressive’s discount list stand out are disappearing deductibles and accident forgiveness.

Not many corporations provide these discounts, and in the event that they do, they only offer one or the opposite. With disappearing deductibles, the longer you go without filing a claim, the lower your insurance deductibles get.

Progressive deducts 25% out of your total deductible amount for each claim-free policy period. After 4 consecutive claim-free periods, your deductible will likely be $0. Other insurance firms that supply disappearing deductibles cap the discount to a maximum of $500 — in case your deductible exceeds $500, you’d still need to pay the remaining amount.

Disappearing deductibles, also generally known as vanishing deductibles, do have a further cost. Nevertheless, the feature is included in case your vehicle is valued at $25,000 or more, and you buy the excellent and collision coverage package. Each riders are really helpful, since they make sure the vehicle is roofed for automobile accidents and non-collision events, like a hearth.

Accident forgiveness — which keeps your premium rates from increasing if claims are for $500 or less — is included at no additional cost.

Why we selected this company: Insurers typically decline coverage should you rent your RV to another person. With Roamly, you possibly can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive business insurance because they’re exposed to more risk than personal vehicles. Renting out your motorhome or camper without insuring it may lead to denied claims, especially if the renter doesn’t have coverage either.

With Roamly, your RV is all the time covered when listed in rental platforms like Outdoorsy (which owns Roamly). When someone books your RV through Outdoorsy, they should buy a renters protection package. These policies can include trip protection, interior damage and travel medical insurance.

Roamly covers rented RVs for actual money value during a rental period. Also, policies include $1 million in liability insurance protection during each trip.

Why we selected this company: Auto-Owners is our pick for the very best personalized customer support due to its network of independent agents, online customer center and mobile app. Customers can access claims, billing, and other necessary policy documents on their phone, tablet or computer.

Auto-Owners has a powerful customer support record, with fewer complaints on record with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average within the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other corporations, Auto-Owners only sells its insurance products through independent agents. As a substitute of contacting the corporate online, you’re employed directly with local agencies which might higher advise you regarding specific insurance requirements in your area. For instance, bodily injury and property damage liability limits set by law vary by state.

Auto-Owners offers various discounts for being a multi-policy holder, making on time for the past 36 months and paying the annual premium in full. Other discounts can be found while you enroll in paperless billing, take a driver safety program or are over 50. Like most insurers, additionally they offer lower premiums for those with a good loss history — that’s, with no recent claims or at-fault accidents.

Other RV Insurance firms we considered

During our research for the very best recreational vehicle insurance providers, we narrowed down our initial list to 11 corporations. The next didn’t make our final cut, not because they were lacking, but reasonably because other competitors stood out more.

AAA

AAA offers coverage for various kinds of RVs and a few of its policies also cover personal effects comparable to electronics, nevertheless it didn’t make our list because their coverage isn’t available in all 50 states.

Allstate

Allstate’s policies include emergency travel expenses should you’re over 50 miles from home when your RV breaks down and the difficulty is roofed under the policy. Allstate isn’t on our major list since it only provides quotes through their sales agents and the data on the web site is restricted.

Geico

While Geico offers similar coverages to others on our list (comparable to total loss alternative, emergency expenses coverage and vacation liability), a drawback to their coverage is that it’s not available nationwide. Also, its website is missing invaluable information for consumers, comparable to available discounts.

Safeco

Safeco offers coverage for sophistication A, B, and C motorhomes valued at as much as $1 million, however it only insures these vehicles should you use them recreationally. Safeco didn’t make our list because they’ve limited information available online and their coverage is restricted to vehicles used lower than 250 days a yr.

Foremost

Foremost, a subsidiary of Farmers Insurance, has policies for full-timers in addition to stationary travel trailers. It also covers personal-use motor homes that you simply occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

Farmers

While extending its coverage to Canada is a novel feature, Farmers didn’t make our list because its website only provides basic information on its coverages and discounts making it difficult for consumers to get an idea of what its policies offer.

USAA

USAA offers RV insurance through what an alliance with Progressive which covers almost all kinds of RVs. The disadvantage to USAA’s policies is that they’re only available for military families.

Country Financial

The RV insurance policies that Country Financial offers fall under their home or auto insurance policies. This generally is a drawback for consumers who have already got a preferred auto or home insurance. One other notable snag in its coverage is that it’s available in just 19 states.

National Interstate

National Interstate has policy options for RV full-timers and covers business RVs. This provider isn’t featured on our major list because they don’t have details on their policies and discounts online.

The Hartford

The Hartford allows customers to customize their coverage of RV insurance. Its lifetime guarantee for repairs in authorized shops is a highlight of their policies. Nevertheless, only being available for AARP members is a drawback.

RV Insurance Guide

Most RV insurance providers offer comprehensive policies covering every little thing from collision, theft, personal belongings, medical expenses and more. Nevertheless, not everyone needs an all-inclusive policy, especially those that use their RVs sparingly.

Read on to study the differing types of riders available and recommendations on selecting the very best coverage on your needs while saving on monthly premiums.

Sorts of RVs

Recreational vehicles, more commonly generally known as RVs, will be classified into one among 4 categories: Class A, Class B, Class C, and towable RVs. The primary three are motorhomes, which suggests they’re drivable units equipped with living quarters and appliances. Towable RVs, also called campers or trailers, can have home amenities too. Nevertheless, some are designed to move animals or cargo.

Here’s the rundown of the differing types of RVs available:

Class A motorhomes

Class A motorhomes are essentially the most luxurious and spacious. They’re just like business buses, measuring anywhere between 24 to 45 feet in length and fitting as many as 12 passengers. Nevertheless, their size could make them difficult to drive and limits their mileage to around 10 or less miles per gallon.

Class B motorhomes

Class B motorhomes, also generally known as “camper vans,” are the smallest and least expensive type, with a length of 17 to 19 feet. These are standard-sized vans normally full of a compact kitchen, bathroom and foldable or fixed bed. Their limited living space makes them suitable for 4 passengers or less who enjoy minimalist traveling.

 

Class B+ or B Plus motorhomes

Class B+ or B Plus motorhomes are the massive siblings of Class B camper vans. These vehicles measure between 17 and 30 feet, fitting larger beds and more spacious bathroom and kitchen areas.

Class C motorhomes

Class C motorhomes are the center ground between Class A and B RVs. They’ll measure between 21 to 41 feet in length and are easily recognized by their over-cab sleeping or storage area. Although smaller than Class A RVs, Class Cs are suitable for full-time occupancy while delivering higher gas mileage and easier maneuverability. These vehicles can fit as much as eight passengers and include a totally equipped kitchen and spacious dining, bathroom and lounge areas.

Towable RVs

Towable RVs are pulled by hitches on SUVs, pickup trucks or any vehicle that may tow the RVs weight. Towable RVs that feature living quarters include fifth wheels, toy haulers, travel trailers and pop-up campers. These range from under 10 feet for pop-ups to 30 feet for fifth-wheel trailers. Truck campers are also considered towable RVs, but a hitch doesn’t pull these. As a substitute, they sit on the bed of a pickup truck. Other sorts of towable RVs include utility, cargo and horse trailers.

Sorts of RV Insurance

Since RVs will be each a vehicle and a primary residence, there are special considerations when insuring them. Some policies only offer basic liability protection; others are broader and include personal effects and emergency expenses coverage.

Take into accout that it is best to, a minimum of, have liability coverage that meets your state’s minimum liability insurance requirements in case your RV is self-propelled. This is applicable whether the vehicle is used occasionally or as a residence.

In case your RV is towable, the insurance of the vehicle used to tow it’d extend to the RV. Nevertheless, note that the towing vehicle’s policy normally only covers liability and never physical damage to the RV or attached accessories.

Best RV insurance features for part-time RVers

Individuals who use their motorhomes for weekend getaways should a minimum of have basic liability coverage that meets their state’s minimum requirements.

Other worthwhile add-ons for part-time RVers are:

• Property-damage liability coverage: Pays for damages that you simply cause to a different person’s property or vehicle.

• Bodily injury liability coverage: Helps pay for medical expenses and to those you injure in an at-fault accident.

• Collision coverage: Covers repair to your RV after an accident with one other vehicle, whether you’re at fault or not.

• Comprehensive coverage: Pays for damages brought on by theft, vandalism, natural disasters or fire and other non-collision accidents.

• Uninsured/Underinsured motorist coverage: Covers the price of repairs to your RV and medical payments should you’re in an accident brought on by a driver that doesn’t have insurance or who has insufficient coverage to pay your claim.

• Personal Injury Protection (PIP): Covers medical expenses for each you and your passenger within the event of an accident, irrespective of who was at fault. It also covers lost wages.

• Campsite/vacation liability coverage: Helps pay for legal expenses should you’re found at fault for the injuries suffered by a non-family member while in your campsite area or inside your RV.

• Roadside Assistance: Offers around-the-clock repairs, towing, and emergency assistance should your RV experience a flat tire, battery discharge, or other malfunction.

Best RV insurance features for full-time RVers

Full-time RVers should consider having a more comprehensive policy that features the above mentioned add-ons, in addition to these:

• Personal property coverage: Covers the price of replacing any damaged or stolen personal effects. This includes clothing, furniture, jewelry and computers, for instance.

• Total loss alternative: Replaces your RV with an equal or similar model in case your vehicle is ever stolen or totaled in an accident. In other cases, the insurer might reimburse you the unique purchase price. Note that lenders might require this coverage should you finance your RV.

• Full-time RV liability coverage: Adds extra liability, and medical expenses coverage should you live in your RV for six months or more every year.

• Emergency expense allowance: Covers living and travel expenses like automobile rentals, lodging and food for as much as a specified amount in case your RV leaves you stranded, normally greater than 100 miles away.

• Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and might even provide coverage for any pet injuries that occur within the vehicle.

• Loss assessment: Helps pay for fees charged by RV associations for damage to common areas in a campsite, for instance.

Tips on how to Buy RV Insurance

Take time to buy around for insurance quotes

The fee of RV insurance varies depending in your driving history, the state where you reside, the vehicle type and whether you propose to live within the RV full-time or use it for vacations. Additional coverage options like pet and accessories insurance will hike up your premium.

Requesting multiple RV insurance quotes can work out to your advantage. Those that compare estimates and coverage options before selecting often find the very best rates.

For those who don’t have the time to buy around, you possibly can seek the advice of with an independent insurance agent. They’ll normally provide insights and guide you toward corporations with attractive rates and policy features that meet your needs.

Consider bundling multiple policies

Most insurance providers offer a multi-policy discount while you mix your RV insurance with other qualified policies.

You possibly can save on premiums by combining your RV’s policy together with your current auto, home or boat insurance. Some insurers also allow you to bundle your policy with renters or life insurance policies. Bundling multiple policies under one provider can even lessen the trouble of coping with different corporations for claims.

For those who don’t need to pay two premiums, you possibly can consider adding your RV to your existing auto insurance policy. Nevertheless, a automobile’s coverage normally extends only to towable campers or trailers, not motorhomes. Also, remember that automobile insurance might cover damages to the RV and liability but not belongings or appliances contained in the RV.

Homeowners insurance may also offer some coverage for RVs, but only when the vehicle is parked on the insured property’s premises.

Another choice is getting umbrella insurance to cover your RV. One of these policy covers liability claims that exceed the boundaries of your primary auto, home or RV policy. Nevertheless, do note that its coverage only kicks in in case your RV is roofed by an underlying policy that meets the liability requirements of the umbrella policy.

Check for available discounts

Besides the savings for bundling multiple policies, corporations often also offer discounts for:

• Paying the whole annual policy upfront
• Making monthly payments on time
• Staying claim-free in the course of the previous policy period
• Being the vehicle’s original owner
• Installing safety features in your RV (a tire pressure monitoring system, for instance)
• Having a good loss history (the record of insurance losses related to the vehicle)
• Being a protected driver (staying accident-free for a minimum of three years)
• Taking safety courses
• Being a member of an RV association

Reduced insurance premiums are also available for drivers aged 50 and up and never insuring drivers under 25 on the policy. Buyers can even save by going paperless as a substitute of receiving documents or bills through the mail.

Insurance when renting an RV

For those who plan on renting an RV for a vacation, it is best to consider getting RV rental insurance. One of these policy is analogous to automobile rental insurance since each normally provide liability, collision damage waiver, personal accident or personal effects coverage.

Policies will be purchased through the rental company or your personal insurance provider, in the event that they offer such coverage. Nevertheless, remember that your current automobile or RV insurance possibly already extends some coverage to the rented RV. Coverage might not be available in all states or for trips longer than 30 days, so it is best to call your insurer to confirm before heading out.

Some insurance firms also cover your RV while traveling through Mexico. While the sort of policy will be useful for somebody planning a vacation, it’s more commonly really helpful for RV owners who continuously cross the border.

Renting out your RV

For those who rent your RV to others it is taken into account a business use, and your insurance policy won’t cover the renter. The person must obtain their very own rental insurance for the trip. For those who’re merely lending your RV to a friend or member of the family, your existing coverage may extend to them, depending on the main points of your policy.

Nevertheless, it’s necessary to notice that some states, including Arkansas and Wisconsin, require drivers to get special licenses to drive RVs.

For those who live in one among these states and also you lend your RV to someone, that person should have the required license should you want your insurance policy to cover them.

What type of insurance do I would like to rent out my RV?

You will need a minimum of liability coverage, which pays for damages or injury chances are you’ll cause to other people and their property in an at-fault accident.

Excluding Recent Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have some type of liability coverage.

Insurance for towable RVs is one other matter. Whenever you’re towing your RV behind one other vehicle as a substitute of driving it, you simply need to worry about having enough coverage to guard your belongings, not about additional liability insurance.

How we Selected the Best RV Insurance

Coverage options and discounts

We picked corporations that supply a comprehensive choice of coverage options and premium discounts.

Customer satisfaction

We favored corporations that had above average scores in J.D. Power satisfaction studies. We also considered customer feedback from review sites comparable to the Higher Business Bureau (BBB).

Financial Strength

We considered the financial strength of every insurer based on their A.M. Best rating. A.M Best is a credit standing agency that focuses on assessing the creditworthiness of insurance firms.

Criticism index

We looked up every insurer’s grievance trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of 2023