Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Insurance Auto Insurance Roamly RV Insurance Review Updated Aug 06, 2024 6-min read Reviewed by Elizabeth Rivelli Reviewed by Elizabeth Rivelli Expertise: Insurance, student loans, mortgages, credit cards Elizabeth Rivelli is a freelance writer who covers insurance, loans, and personal finance. She contributes to dozens of financial publications and has published hundreds of articles about insurance and related topics. Learn more about Elizabeth Rivelli Best for Customized Coverage View Rates RV Insurance Customize your policy with optional add-ons Coverage includes total loss replacement, storage, personal effect, emergency expenses, and vacation liability Allows you to rent out your RV and receive an insurance discount Includes roadside assistance Doesn’t provide information on premiums Roamly was founded to make RV insurance more accessible and affordable for RV dwellers. Owned by Outdoorsy, a leading online marketplace for RV rentals, Roamly offers comprehensive RV insurance policies underwritten by partners including Safeco, National General, and Allstate. As of July 2024, Roamly’s RV insurance is available in every state except Hawaii, providing a wide range of coverage options tailored to RV owners’ unique needs. Table of Contents Skip to Section Roamly RV insurance at a glancePros and consWho’s eligible for Roamly?How to get a quoteMore about Roamly Roamly RV insurance at a glance About RoamlyA.M. Best ratingDepends on the underwriting company (listed below)Discounts availableHomeowner, military, existing auto or RV insurance, early birdCoverage optionsLiability, comprehensive, collision, medical payments, uninsured/underinsured motorist, roadside assistance, loss assessment, emergency expense, adjacent structures, debris removal, contents, vacation liability, sound system, commercial RV State availabilityAll except Hawaii Underwriting companies are insurance companies that evaluate the risks involved in insuring RVs and provide the actual insurance policies. These companies are responsible for assessing risk, determining coverage limits, and setting premium prices. Roamly partners with several well-established underwriting companies to offer comprehensive and reliable coverage to its customers. Roamly’s underwriting companies include the following: Spinnaker Insurance Company Safeco Insurance Foremost Insurance Company National General Insurance Allstate Insurance Company Voyager Indemnity Insurance Company HIPPO Insurance Services Roamly’s coverage Roamly offers robust RV insurance coverage. Roamly’s standard policy A standard policy includes the following: Personal liability insurance Comprehensive insurance Collision insurance Medical payments insurance Uninsured/underinsured motorist insurance Contents insurance Vacation liability insurance Roadside assistance Roamly’s full-timer policy If you live in your RV full-time, you can get a special policy that includes all the standard coverages, plus these unique coverages: Loss assessment insurance Emergency expense insurance Adjacent structure insurance Debris removal insurance Sound system insurance Other features Other standout features of Roamly RV insurance include the following: Discounts: Roamly offers RV insurance discounts for homeowners, active military personnel, purchasing a policy seven days in advance of the start date, and having an existing auto or RV insurance policy. Full-time RV insurance: If you’re a full-time RVer, Roamly offers insurance that provides year-round coverage wherever your travels take you. Emergency expense coverage: Roamly sells emergency expense coverage, which pays for temporary housing if something happens to your RV and it becomes unlivable. Loss assessment coverage: Some RV communities require an HOA fee. In this case, loss assessment insurance will cover your HOA fees if damage occurs in a common area. Adjacent structures coverage: This policy provides coverage for standalone structures in your RV site, such as a shed, porch, or deck. Disappearing deductible: For each year you don’t have an RV insurance claim, Roamly will lower your deductible by up to 25% for certain coverages. Your Roamly RV insurance policy remains active when you rent your RV to someone else. According to Roamly’s website, new customers can save up to 25% on their policy. To find out how much you might pay for coverage, you can get a quote online. However, you must speak to an agent to finalize your quote and purchase a policy. Pros and cons of Roamly RV insurance Before you purchase an RV insurance policy, it’s important to weigh the pros and cons of the insurer you choose. We’ve researched the major advantages and disadvantages of Roamly: Pros Comprehensive coverage options Roamly offers a solid selection of RV insurance policies, including unique coverages such as loss assessment insurance and debris removal coverage. Discounts You might be able to save money on your Roamly RV insurance policy if you own a home, have continuous RV or car insurance, purchase a policy at least one week before the start date, or are in the military. Coverage for rented RVs Your Roamly RV insurance policy remains effective when you rent your RV to someone else. You can also get a commercial RV insurance policy if you rent more than three RVs. Online quotes It’s easy to get a quote online. Disappearing deductible If you’re a safe driver, you could save up to 25% on your deductible for select policies with Roamly’s disappearing deductible. Cons Not available in Hawaii Hawaiians must look elsewhere for RV insurance. Can’t choose your insurance underwriter Because other insurance companies underwrite Roamly’s RV policies, you won’t get to choose which insurer issues your coverage. Website can be difficult to navigate During our Roamly RV insurance review, we found website navigation challenging. Important information, such as coverage options and claim handling, is only published in FAQ format. Key details were missing, such as coverage limits for various policies. Can’t purchase a policy online Roamly offers instant online quotes, but you can’t buy a policy online. You must speak to an agent to get your final quote and complete the purchase process. Who’s eligible to get Roamly RV insurance coverage? Roamly offers RV insurance for most RVers, including full-time and part-time RV dwellers, and occasional RV travelers. If you rent your RV while it’s not in use, your Roamly coverage still applies. You can purchase an RV insurance policy for most types of RVs, motor homes, and accessories, including: Class A, B, and C motor homes Travel trailers Camper vans Fifth-wheel couplings Pop-up trailers Toy haulers for ATVs and motorcycles RV drivers in all states except Hawaii can apply for insurance through Roamly. How to get a Roamly RV insurance quote Roamly makes it easy to get an RV insurance quote online in about a minute. Navigate to the homepage: Visit Roamly’s website and click “get a quote” to start the application process, or call the company at 877-725-1245 to get a quote over the phone. Provide RV and personal details: Enter details about yourself and your RV online. Have the following information ready: The make, model, and year of your RV The RV’s vehicle identification number (VIN) Your driver’s license number Your years of RV driving experience Number of months per year you travel in your RV Confirm discount eligibility: Indicate whether you qualify for any discounts. Roamly offers savings for: Homeowners Military personnel Continuous auto or RV insurance coverage Purchasing a policy at least a week before coverage starts Review your quotes: After completing the questions, you’ll see quotes for three coverage options. Coverage options Standard: Lowest coverage limits, highest deductible, cheapest rate. Premium: Highest coverage limits, lowest deductible, most expensive rate. Extra: Mid-range option, recommended by Roamly. You will see both the monthly and annual rates, which you can choose to pay upfront or in monthly installments. Expect a follow-up: After reviewing your quotes, expect a phone call or text message from a Roamly agent. You must speak with an agent to confirm your policy details before purchasing. Finalize your policy: You can make changes before finalizing. During your call with the agent, you can: Adjust your coverage limits and deductibles Add endorsements Ask any questions you might have The agent will recalculate your rate quote and set up your policy Tip Roamly’s RV insurance quotes are non-binding, meaning you can walk away if the quotes don’t fit your budget or if you change your mind about insurance. Where to find alternatives to Roamly RV insurance While Roamly RV insurance is a terrific option for some RV dwellers, you might prefer to consult our list of the best RV insurance companies to research alternatives. As you’re shopping for RV insurance, it’s wise to get at least three RV insurance quotes from insurers. Comparing quotes can help you find the most affordable policy for your situation and coverage needs. You might also consider getting new quotes on a regular basis. That way, you’ll always get the best rate, even if your situation changes or you have a claim. How we rated Roamly We designed LendEDU’s editorial rating system to help readers find companies that offer the best RV insurance. We compared Roamly to RV insurance providers, using hundreds of data points from company websites, public disclosures, customer reviews, and direct communication with company representatives. Our take is represented in our best-for designation, recapped below. ProductBest forRoamly RV insuranceCustomized coverage Read More List of insurance companies