4 Best RV Insurance Companies

Recreational vehicles (RVs) are a terrific way to travel the country and enjoy a family vacation. More than 10 million Americans own an RV, and more than 1 million use them as a primary residence. They’re perfect for occasional road trips or for those who want the flexibility of a fully nomadic lifestyle.

However, buying an RV is a big investment, and you’ll likely want insurance to protect your asset. (You might need it if your state requires it.) RVs can cost tens or hundreds of thousands of dollars and are at risk from weather, accidents on the road, vandalism, and other types of damage. RV insurance can cover all of the above and more.

This guide covers some of the best RV insurance options on the market, so you can get the coverage you need.

4 Best RV insurance companies

Many variables go into being a good RV insurer. Consumers want quality support, policies they can customize, and competitive monthly premiums.

Many companies offer RV insurance coverage, including major insurers and niche companies that focus solely on RVs. We looked at a number of the options above to help you find the best RV insurers. Here are the four best.

• Best for customized coverage: Roamly
• Best for coverage: Good Sam
• Best for customer care: National General
• Best for discounts and forgiveness: Progressive

Roamly

Good Sam

Best for coverage

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Why it’s one of the best

Good Sam Insurance Agency offers various auto insurance products, including RV insurance. With RV insurance from Good Sam, customers can access several standard coverages and unique premium protections.

Coverage is available for Class A motorhomes, Class B motorhomes, Class C motorhomes, Airstreams, fifth-wheel trailers, truck campers, travel trailers, and more.

• Full replacement coverage
• Personal belongings coverage up to $3,000
• Storage discount can reduce premium by 53%

Standard coverages

• CollisionComprehensive
• Uninsured and underinsured motorist protection
• Personal liability
• Property damage liability
• Bodily injury liability
• Personal injury protection

Premium coverages

• Optional full replacement cost
• Full-timers
• Emergency expense
• Personal effects

Discounts

• Multi-vehicle discount: Up to 20% for combining RV and auto into one policy.
• Paid-in-full discount: Reduce your premium by purchasing your annual coverage with one payment.
• Multi-policy discount: Up to 10% when you insure your home or condo with Good Sam.
• Storage discount: Suspend certain coverages when you aren’t using your RV. You can save an average of 53% off your premium.

National General

Best for customer care

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Why it’s one of the best

National General offers home, health, and auto insurance, which includes RV insurance. The company offers a variety of coverages that go beyond the basics. National General stands out through its support for its customers.

You can request a quote, and if you’re not ready to finalize your application, you can return later and retrieve your saved quote.

Coverage is available for Class A motorhomes, Class B motorhomes, Class C motorhomes, Airstreams, travel trailers, fifth-wheel trailers, and others.

• Full replacement coverage
• Personal belongings coverage up to $3,000
• Multi-vehicle discount up to 20%

Coverage options

• Specialized equipment
• Full replacement cost
• Mechanical breakdownPermanent attachment
• Full-timers
• Emergency peace of mind

How National General takes care of its customers

• Search assistance: National General will connect you with a research expert who will help you locate a new RV after a total loss.
• No charge for new parts: In a collision, National General will replace depreciated parts with new ones.
• 24-hour claims reporting: Report a claim anytime and anywhere.
• Theft reward: If your RV is stolen, the company will offer a $500 reward for information leading to the conviction of the responsible.
• Pick up and drop off: If your RV becomes damaged, National General will pick up your RV and bring you a rental car after a claim. Once repairs are completed, someone will deliver your RV back to you and return your rental car.
• Free inspection: After a claim is repaired, you’ll get a free inspection.
• Storage savings: If you suspend your coverage while your RV is parked, you can earn considerable savings.
• Several discounts: Customers have the opportunity to take advantage of multi-vehicle and low mileage discounts.

Progressive

Best for coverage

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Why it’s one of the best

Progressive offers RV insurance to residents of every state except for Hawaii and Washington, D.C. Progressive’s user-friendly website makes RV insurance policies easy to understand.

Aside from the standard coverage, several add-ons can be included in your policy for added financial protection. Make sure to check out the 10 discounts and three forgiveness opportunities offered to help you lower the cost of your policy.

Coverage is available for Class A motorhomes, Class B motorhomes, Class C motorhomes, cargo & horse trailers, conventional trailers, fifth-wheel trailers, pop-up, truck, and utility trailers.

• Full replacement coverage
• Accident coverage up to $500,000
• Multi-policy discount

Coverage options

• Comprehensive
• Collision
• Liability
• Uninsured and underinsured motorist
• Medical payments

Extra coverages

• Roadside assistance
• Total loss replacement
• Replacement cost/personal belongings
• Vacation liabilityFull-timer’s liability
• Loss assessment
• Emergency expense
• Pet injury

Discounts and forgiveness

• Multi-policy: Bundle RV insurance with another policy.
• Quote in advance: Get a Progressive RV insurance quote at least one day before your actual policy starts.
• Original owner: Be the original owner of your motorhome.
• Pay in full: Pay your policy upfront and in full.
• Responsible driver: Have no accidents or violations in the past three years.
• Prompt payment: Make your payment on time.
• Claim free renewal: No at-fault claims when your policy renews.
• Homeowners: Own a home, including a condo, townhouse, duplex, single- or double-wide.
• Continuous insurance: Get rewarded for the time you spent with your previous insurer.
• Paperless: Receive your documents via email.
• Small accident forgiveness: Your rate won’t increase if you have a claim of $500 or less.
• Large accident forgiveness: Once you’ve been a Progressive RV insurance customer for at least four years and accident-free for the past three years, your rate will not go up for any accident.
• Disappearing deductibles: Progressive subtracts 25% from your deductible amount for every claim-free period all the way down to $0.

How does RV insurance work?

RV insurance is a special type of coverage made just for recreational vehicles like motorhomes, travel trailers, and camper vans. Similar to auto insurance, it covers financial losses if your RV is involved in a covered incident. You can purchase RV insurance with many major auto insurance companies and specialized RV insurers.

RV insurance works similarly to auto insurance. You can file a claim with your insurance provider if you get into an accident or damage someone else’s property. Your provider will then pay for losses or injuries up to your covered amount.

But the type of RV insurance you need depends on a host of factors—whether you drive or tow your RV, use it full time or part time, and are still making payments on it. Usually, policies work like this: 

• Motorhomes often require insurance similar to auto insurance, including liability, collision, and comprehensive coverage. 
• Travel trailers that you tow behind a vehicle typically don’t require insurance since they’re not motorized. However, your lender may require comprehensive collision coverage on your trailer if you’re still making payments on it. You usually don’t need separate liability insurance since that’s covered by the vehicle towing it.
• Camper vans usually require Class B RV insurance coverage since they’re technically classified as motorhomes. 
• Full-time RVers who live in their RV at least six months out of the year may need additional coverages similar to homeowners insurance.

What does the best RV insurance cover?

The best RV insurance policies typically include the following types of coverage:

Type of coverage	What it covers
Collision	Damage to your RV caused by road accidents, regardless of fault
Comprehensive (or other collision)	Non-collision related damages to your RV, such as theft, vandalism, falling objects, glass breaking, and certain natural disasters
Liability	Damages or injuries you cause to others while operating your RV, including bodily injury and property damage
Medical payments	Medical bills for yourself and your passengers if you get in an accident
Uninsured/underinsured motorist coverage	Damage caused by drivers with insufficient or no insurance

In addition to these core coverages, you can customize your RV policy with these optional coverages:

Type of coverage	What it covers
Roadside assistance	24/7 emergency help for fuel delivery, tire changes, jumpstarts, and towing
Towing and labor	Cost of towing your RV to a garage and getting it fixed
Vacation liability	Any incidents that happen while you’re using your RV as a temporary home, like slips and falls, camp-fire accidents, and more. Roamly RV insurance includes up to $300,000 in vacation liability coverage, for example.
Total loss replacement	If your RV is less than five years old, helps pay to replace it with a similar make and model if it is a total loss
Personal effects	Everything you keep inside your RV, usually up to $3,000
Trailer	Trailers and anything you keep on them while attached to your RV
Emergency expense	Meals, lodging, and transportation if you’re far from home and can’t stay in your RV after a covered event
Storage	Reduces your premiums by pausing liability and collision coverage while not using your RV

What’s not covered by RV insurance?

Like all insurance policies, RV insurance has exclusions and limitations to watch out for. For instance, typical exclusions include:

• Wear and tear: RV insurance doesn’t cover the normal deterioration of your RV over time.
• Certain types of personal property: You may need separate scheduled personal effects coverage for expensive items like jewelry, laptops, and art.
• Off-road incidents: Damages while driving off designated roads may not be covered.

Every RV insurance policy is different, so carefully read your fine print and note any exclusions, limitations, and deductibles. If you have questions, ask the insurance provider to explain. Understanding your policy fully will help you avoid surprises while on the road.

How to receive the best RV insurance rates

People usually spend between $1,000 and $1,500 annually on their RV insurance. Several factors influence the cost of RV insurance, including:

• Type and age of the RV: Insurance rates can differ based on whether you have a motorhome, travel trailer, or camper van. Newer, more expensive RVs typically have higher insurance costs.
• Usage: Full-time RVers often pay more for insurance than part-time or occasional users, as they spend more time on the road and face a higher risk of accidents or damage.
• Driving history: A clean driving record can lead to lower insurance rates, while accidents or violations will increase premiums.
• Location: If you live in a dangerous area with extreme weather, such as hurricanes or blizzards that could damage your RV, your policy will be more expensive. People who live in mild climates typically have lower insurance premiums.
• Coverage limits and deductibles: Choosing higher coverage limits or lower deductibles can increase your premiums, while opting for lower limits or higher deductibles can lower your RV insurance costs.
• Discounts: Many RV insurance companies offer discounts that can affect the cost of your policy. If you choose an insurer that offers these discounts, and you do things like install anti-theft devices or take safety courses, you can reduce the cost of coverage.
• Your credit score: It’s estimated that 95% of auto insurance companies and 85% of home insurance companies use your credit score to determine your rates—and RV insurance is no different. Having good to excellent credit will help you get the best rates. 

You can lower your RV insurance costs with these tips: 

• Compare RV insurance quotes from at least three companies to find the best rates.
• Choose a higher deductible if you’d like a lower premium—but only if you can afford it.
• Install anti-theft devices or safety features to qualify for discounts.
• Take RV safety courses to demonstrate your commitment to responsible driving.
• Bundle your RV insurance with other policies, like auto or homeowners insurance.
• Pay your premiums in full rather than in monthly installments.

Read More

Average cost of RV insurance

How to choose the best RV insurance

You have lots of options when it comes to the best RV insurance, but you can find the right company for you with these tips: 

• Coverage options: Think about what extra coverage options you want, like roadside assistance, total loss replacement, or vacation liability. Look for insurance companies that offer these options.
• Policy terms and conditions: Read your policy’s fine print to understand what’s covered, what’s not, and what you’re expected to pay if you file a claim.
• Insurer reputation: Lookup reviews and ratings for any RV insurance companies you’re considering. What do other RV owners say about the company’s customer service or claims process? How responsive are they? 
• Value of coverage: The goal is to find a policy with the coverage you need at a price you can afford. This is where comparing quotes comes in—it’s the only way to find the best value for your money.

Expert take

Crystal Rau

CFP®

When choosing coverage options, the first thing you should do is look at your total net worth. Ask yourself: If you were responsible for a bad accident (lots of property damage, lots of injuries, etc.), do you have enough liability coverage to insure everyone? Second is the deductible. Sure, a higher deductible is unfortunate in the moment, but it’s a way to have a lower premium throughout the policy coverage dates. You just need to ensure that you have sufficient emergency savings on hand to cover that deductible if you were to need it. As far as adding any extras to your policy, it’s a matter of the cost of these things alone (like towing) vs. having coverage and paying an additional charge for these extras. Insurance companies will typically list out these by line item so you can see the additional charge for each extra.

How to apply for RV insurance

You’ll usually follow these steps when applying for an RV insurance policy: 

1. Get RV insurance quotes online. Ideally, you’ll want to get at least three online quotes so you can compare which company offers the best coverage, premiums, and discounts. Roamly, Good Sam, National General, and Progressive are all excellent places to start.
2. Gather your information. As you get quotes, you’ll be asked about the type of RV you’re insuring, the vehicle year, make, model, and style, along with your personal information (think name, date of birth, mailing address, and license status). Having this info ready will speed things up. 
3. Apply with your favorite insurer. Once you have three quotes, compare them all to see which company offers the best coverage at the best price. Submit a full application online with your favorite lender. 
4. Wait for approval. During the underwriting process, your insurer may ask where you store your RV when you’re not using it (aka, its garaging address). They’ll assess the risk of this location and use it to calculate your final premium. 

When you apply for RV insurance, most companies will ask you these questions to determine what coverage you need and what discounts you may qualify for: 

• Do you drive or tow your RV?
• Do you live in your RV at least six months out of the year?
• What type of RV are you insuring? (Class A, Class B, Class C, motorhome, conventional, 5th wheel, toy hauler, horse trailer, airstream, pop-up camper, truck camper, etc.) 
• What’s your recreational vehicle year, make, model, and style? 
• What’s your name, date of birth, gender, marital status, license status, and mailing address?
• Have you had any driving infractions in the past three years? 
• Do you still make payments on your RV or do you own it outright?
• Do you plan on bundling RV insurance with other policies, taking RV safety courses, or paying your premiums in full? 

How does the claims process work?

If you find yourself needing to file a claim, you can use these steps to guide you through the process: 

1. File a police report if needed. If you’re involved in an accident, call the police to report it. Ensure you get the officer’s name, police department address, and a copy of the police report for your records.
2. File your initial claim. Contact your insurance company ASAP to let them know you need to file a claim. They’ll usually ask for your name, RV vehicle identification number (VIN), license plate number, location, and a description of the damages. 
3. Get assigned a claims adjuster. This person will be with you through your entire claims process. Consider them your point of contact if you have questions or your insurance company needs more information. 
4. Go through an inspection. Your claims adjuster will schedule an inspector to come out and look at your damages. They’ll estimate your repair or replacement costs and walk you through how much your insurer will cover. 
5. Schedule repairs. You may have the option to use any reputable repair shop in your area, or your RV insurance company may have a list of shops to choose from. If your RV isn’t operational, your insurance company may pay to tow it to the shop for you, depending on whether you have tow coverage or not.
6. Get back on the road. After your RV is fully repaired, you can pick it up from the shop and get back on the road.

Tip

Tips for filing RV insurance claimsAlways have your RV insurance card, license, and registration with you. You’ll need this information on hand if you get into an accident. Also, be sure to get the name, license plate number, and insurance information of everyone involved in an accident. Before you leave the scene of an accident, take photos and videos of all the damage with your phone so you can accurately report what happened to your insurance company.

Frequently asked questions about RV insurance

How do I know if I need RV insurance?

If you don’t own an RV, you won’t need RV insurance. Not every RV owner needs a full-time RV policy either. If you only use your RV for occasional trips, you might opt for a policy that covers single trips or rely on your current auto insurance policies.

However, if you use your RV often for long road trips or live in it for extended periods, we recommend having a dedicated RV insurance policy. RV insurance is essential for comprehensive coverage and peace of mind for those who live in their RV full-time.

Can’t I just add RV coverage to my auto insurance policy?

Yes, it’s possible to add RV coverage to your auto insurance policy. This might be cost-effective if you only use your RV for a couple of weeks each year.

However, we recommend dedicated RV insurance if you use your RV more. Full RV insurance offers more comprehensive protection tailored to RV owners, covering personal belongings and other RV-related costs that regular auto insurance might not.

What does RV insurance not cover?

RV insurance doesn’t cover everything. Most policies don’t include coverage for trailers, so you may need to add this separately.

Pet injury coverage is not typically included by default, so consider adding it if you travel with pets. Always read the fine print and discuss any desired add-ons with your insurance agent to ensure you have the necessary coverage.

How much RV insurance do I need?

The amount of RV insurance you need depends on the level of risk you’re willing to take and how often you use your RV. If you only use your RV a few times a year and have substantial savings, minimal coverage might suffice.

However, if you live in your RV full-time and lack the funds to replace it if damaged, consider getting comprehensive coverage. Assess your risk tolerance and financial situation to determine the appropriate level of insurance.

What are the different RV classes?

Knowing your RV’s class is essential for obtaining the right insurance. Here’s a breakdown:

• Class A: These motorhomes resemble buses, built on commercial truck or bus chassis, and often include slideouts for additional space.
• Class B: These are built on conventional van chassis and must have built-ins such as a sink, shower, refrigerator, and more to qualify.
• Class C: These are built on a truck chassis with a cab section based on a van or truck, often featuring rigid, weatherproof outer structures.
• Other types: Include truck campers, pop-up campers, travel trailers, fifth-wheel trailers, and other less common types.

For specific class insurance, check out the guides below:

• Full-time RV insurance
• Best fifth-wheel insurance
• Best travel trailer insurance

How does RV insurance work when renting?

If you already have homeowners or auto insurance, you might have partial coverage when renting an RV. However, review your policy closely. It may be safer to buy RV insurance from the rental company, though the rates can be high. To save money, consider purchasing RV rental coverage online in advance.

What do I need to know if I live in my RV full-time?

If you live in your RV full-time, ensure you have full-time RV insurance. Also, secure adequate personal property coverage in case of theft or damage. This might require itemizing your belongings and obtaining enough coverage.
Consider emergency expenses coverage to cover hotel and food costs if your RV needs repairs and you can’t live in it temporarily. Learn more in our guide to full-time RV insurance.

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