If you own a recreational vehicle, you’re probably ready to see the country from the open road. You can drive to the Grand Canyon and spend your evenings gazing up at the stars. Or, you can cruise up to California’s redwoods forests or its famous vineyards. You’re ready to make a trek from Maine to Florida – or anywhere around the country.
Whether you plan on living in your RV or using it for a few annual jaunts, you must ensure you have the right RV insurance.
If you think a normal auto insurance policy will suffice, you could be wrong, depending on your situation.
That’s because an RV is not just a vehicle – it’s often equal parts vehicle and home. For that reason, you might need insurance that includes coverage offered on homeowners insurance policies. You may need a policy that can cover emergency expenses like a hotel stay if your RV is totaled or being repaired. Given the fact that you are also traveling with your RV, you might need special coverage that allows you to travel across the country or in Mexico or Canada.
Most of the best RV insurance policies will offer coverage similar to what auto insurance does, such as comprehensive and collision coverage, personal liability coverage, personal injury coverage, and underinsured and uninsured motorist protection.
With RV coverage, you’ll also likely find policies that offer protection on personal belongings, on tow vehicles, and on items attached to your RV like awnings or satellite dishes. You will also find optional coverage like roadside assistance and vacation liability coverage in the event you must cancel your vacation due to an accident in your RV.
There are two main types of RV insurance. The first is for recreational use and the second is for those who live full-time or more than six months of the year in their RV. Insurance companies have different definitions of a “full-time” RV user, so read the fine print and compare the best RV insurance companies if you use your RV for several months of the year. It’s cheaper to get recreational coverage, so you could save a significant amount of money if you qualify.
On this page:
Best RV Insurance Comparison
When you’re shopping for RV insurance, find out what kind of vehicles each company covers. Not all companies cover every kind of RV. Before you apply, make sure you know what class your RV is, and check the fine print to ensure that your vehicle is covered.
If you’re not sure how to find the best RV insurance, don’t worry. Here, we review the best offerings so that you don’t have to spend all your time researching them online. After all, you need to spend your time pursuing your next adventure.
Note: LendEDU is not compensated by any of the following companies.
on Good Sam Insurance Agency’s secure website
- Insurance is not provided directly through them, but through companies like Progressive, National, and more
- Covers Class A RVs, Class B RVs, Class C RVs, conventional trailers, fifth-wheel trailers, pop-up tent trailers, mounted truck campers, horse trailers, and cargo utility vehicles
- Option of full replacement coverage, permanent attachment coverage, personal effects coverage, and a storage option
on National General Insurance’s secure website
- Most policies offer personal belongings coverage for full replacement value on up to $3,000
- Offers permanent attachments coverage, emergency expense allowance, full-time coverage, and a storage option
- Can qualify for available discounts
on Foremost Insurance Group’s secure website
- Insures motorhomes, travel trailers, fifth wheels, and luxury motor coaches
- Provides comprehensive coverage against loss, collision, fire, smoke, floods, landslides, hail, animals, vandalism, low branches, theft, and other accidents
- Offers emergency expense coverage, replacement cost coverage of personal belongings, roadside assistance and towing, vacation liability coverage, full-time coverage, and tow truck insurance
on Progressive’s secure website
- Offers RV insurance in most states, with the exception of Hawaii and Washington, D.C.
- Insures Class A, Class B, and Class C motor homes, conventional trailers, fifth wheel trailers, pop-up tent trailers, mounted truck campers, horse trailers, and cargo and utility trailers
- Coverage starts at $125 per year, but varies depending on your situation
on Nationwide’s secure website
- Covers bodily injury, liability, property damage liability, collision, comprehensive, uninsured motorist, underinsured motorists, and medical payments
- Optional coverage additions are also available
- Offer discounts if you have multiple vehicles insured with them, you’ve taken an RV driving course, and more
on Blue Sky RV’s secure website
- Coverage includes Standard RV insurance, Innovative RV insurance, Specialty RV insurance, and insurance for your personal cars or tow vehicles
- The standard option includes bodily injury, property damage, uninsured motorist, medical payments, and personal injury coverage
- How much you will pay will depend on your personal driving record, your age, your RV, what kind of coverage you want, and other factors
on RV America Insurance’s secure website
- Offers insurance through partner companies like Progressive, National Interstate, and others
- You can receive multiple RV insurance quotes to compare the types of insurance offered by the companies they work with
- How much you will pay depends on your personal situation, the type of RV, your driving record, and other factors
on Esurance’s secure website
- This insurer emphasizes the use of technology in the insurance process by leveraging online and mobile channels
- To qualify for RV insurance, your vehicle must have cooking appliances, a bathroom, refrigeration, self-contained heating and/or air conditioning, drinkable water, and electrical plug systems
- How much you will need to pay will depend on a number of factors such as driving record, what kind of RV you have, and more
on Safeco’s secure website
- Provide coverage if you have a luxury coach motorhome, a travel trailer, a fifth wheel, a pop-up camper, or a camper van
- Their coverage only allows you to use your RV for up to 150 days per year or about five months
- Policies include bodily injury liability, property damage liability, personal injury protection, medical payments, and more
on Geico’s secure website
- Offers coverage for motorized RVs and towable RVs in most states
- Covers Type A motorhomes, Type B motorhomes, and Type C motorhomes, as well as other sports utility RVs
- Insurance also covers a toy-hauler if you are transporting a motorcycle or ATV
on National Interstate Insurance’s secure website
- Provides insurance coverage in more than 40 states for specialty property like RVs and other special insurance products
- Coverage can include motorhomes, fifth wheel vehicles, bus conversions, stationary trailers, or travel trailers
- Offers coverage that includes total loss replacement, and purchase price guarantee
11 Best RV Insurance Reviews
Click on a company to review their RV insurance review.
- Good Sam Insurance Agency
- National General Insurance
- Foremost Insurance Group
- Blue Sky RV Insurance
- RV America Insurance
- Safeco Insurance
- National Interstate Insurance
Good Sam Insurance Agency
Good Sam Insurance Agency offers RV, auto, home, boat, and motorcycle insurance. It does not provide the insurance directly, but through companies like Progressive, National, and Safeco. Good Sam covers several types of RVs including for Class A RVs, Class B RVs, Class C RVs, conventional trailers, fifth-wheel trailers, pop-up tent trailers, mounted truck campers, horse trailers, and cargo utility vehicles.
Good Sam Insurance Agency offers policies that include comprehensive and collision coverage, personal injury protection, property damage, bodily injury coverage, personal liability coverage, and uninsured and underinsured motorist protection. Customers have the options of full replacement cost coverage, permanent attachment coverage, personal effects coverage up to $3,000, and a storage option that can reduce your insurance premium by 53 percent while your RV is in storage.
Good Sam claims that you can save up to $521 per year by switching to one of their plans. Of course, how much you actually save will depend on your personal situation and factors like your RV model, how much coverage you want, how much you use your vehicle, your driving record among other factors.
Because you don’t buy your insurance coverage directly from Good Sam Insurance Agency, your customer service experience will depend primarily on the policy you choose to go with. Good Sam is rated as having “excellent” service by Consumers Advocate.
National General Insurance
National General Insurance offers RV insurance with several coverage options in most states.
With most policies, National General Insurance offers personal belongings coverage for full replacement value on up to $3,000 worth of belongings. The company provides optional full replacement cost value for your RV in which your RV can be replaced in the first five years after the model is released, even if you’re not the original owner.
In addition, National General offers permanent attachments coverage for items like awnings, emergency expense allowance, full-time coverage, and a storage option that allows you to save up to 53 percent on your insurance premium while you’re not using your RV. You can also combine policies for your car and RV onto one policy. That can help you save up to 20 percent on insurance and allow you to pay one deductible in case of an accident that involves both vehicles. However, if your RV’s original cost is over $500,000, National General will not insure you unless they also insure all the autos in your household.
How much you’ll pay will depend on factors like how much you use your RV, how much coverage you want, your driving record, and your age. You may qualify for one of their discounts. For example, you can get a discount if you pay in full, if you have completed a defensive driving course, have OnStar, have low mileage, are a member of an affinity organization that provides a discount, or have multiple vehicles insured with National General.
National General’s customer service has an “excellent” rating with Consumers Advocate.
Foremost Insurance Group
Foremost Insurance Group is a vehicle and home insurance company that offers RV insurance in most states. The company insures motorhomes, travel trailers, fifth wheels, and luxury motor coaches.
Foremost Insurance Group provides comprehensive coverage against loss, collision, fire, smoke, floods, landslides, hail, animals, vandalism, low branches, theft, and other accidents. They also cover items like awnings, satellite dishes, TV antennas, and more. The company’s loss replacement coverage allows you to get a new trailer if your model is less than five years old and you’re the original owner, and then you received what you paid for your RV in years six through 10.
Foremost Insurance offers emergency expense coverage, replacement cost coverage of personal belongings, roadside assistance and towing, vacation liability coverage, full-time coverage, and insurance for your tow truck.
How much you’ll pay will depend on factors like your driving record, your age, how much coverage you want, how much you use your RV, and your state. You can save additional funds if you refer a friend.
Foremost Insurance Group has a “very good” rating from Consumers Advocate.
Progressive is a well-known insurance company that offers RV insurance in most states, with the exception of Hawaii and Washington, D.C.
Progressive insures a number of different types of RVs including Class A, Class B, and Class C motorhomes, conventional trailers, fifth wheel trailers, pop-up tent trailers, mounted truck campers, horse trailers, and cargo and utility trailers.
The company offers a significant number of options for your RV insurance policy. You can get full-time insurance if you live in your RV for more than six months out of the year or you can get coverage for recreational use if you use your RV less than that.
Progressive’s policy includes comprehensive and collision coverage, uninsured/underinsured motorist coverage, bodily injury and property damage liability, and medical payments coverage.
You can choose additional coverages like emergency expenses coverage, trailer coverage, small accident forgiveness, large accident forgiveness, Mexico physical damage, free fire department service charges, pet injury coverage. You can also opt for full replacement value coverage for personal items up to $99,000, RV roadside assistance, full loss replacement, disappearing deductible, vacation liability, full-time personal liability worth up to $500,000, storage shed contents, and loss assessment.
Progressive’s coverage starts at $125 per year, but how much you’ll pay will depend on your personal situation such as your driving record, your age, your RV, the coverage that you choose, and other factors. You can also qualify for discounts if you’re a responsible driver with no accidents in the last three years, if you’re renewing your policy without having had any claims, if you’re the original owner, if you pay in full, or if you’re a prompt payer.
Progressive is known for having good customer service and has an excellent rating from Consumers Advocate.
Nationwide is another well-known financial company that provides RV insurance in most states.
Nationwide’s RV insurance covers bodily injury liability, property damage liability, collision, comprehensive, uninsured motorist, underinsured motorists, and medical payments. In addition to that, you can get optional coverage for roadside assistance, labor and towing, vacation liability, safety glass replacement, replacement cost and scheduled personal effects, safety glass replacement, and the replacement cost of personal effects and scheduled personal effects.
How much you will pay for your insurance will depend on a number of different factors such as your driving history, your age, your gender, how much insurance you want, your RV, and other factors.
Nationwide offers discounts if, for example, you have multiple vehicles insured with them, you’ve taken an RV driving course, you belong to an RV club like the National RV Association, you pay for your coverage in full, or you’re a good driver who is accident-free for 36 months. You can also score discounts if you have prior insurance on an RV, you renew with no claims, or you’re a member of certain qualifying organizations.
Nationwide conducts an “On Your Side Review” in which they routinely look at your insurance to make sure that you are getting all the discounts that you qualify for.
Nationwide’s customer service is rated “excellent” by Consumers Advocate.
Blue Sky RV Insurance
Blue Sky RV Insurance specializes in RV insurance but its products are not available in all states.
Blue Sky’s coverage includes products like Standard RV insurance, Innovative RV Insurance, Specialty RV insurance, and insurance for your personal cars or tow vehicles.
The Standard RV Insurance includes bodily injury coverage, property damage coverage, uninsured motorist coverage, medical payments coverage, and personal injury protection. It also includes 24-hour RV roadside assistance and emergency RV Roadside assistance services for, say, tire changes and battery service.
Their innovative RV insurance includes other things like total loss replacement, deductible buyback coverage, depreciation-free RV insurance, diminishing deductible insurance, and consignment coverage when you are selling your vehicle in a third-party lot.
The Specialty RV insurance coverage is similar to the Innovative coverage has, but it also includes coverage for emergency expenses like hotels or food if you cannot stay in your RV, personal effects coverage, vacation liability coverage, awning replacement, adjacent structures coverage, purchase price guarantees, and coverage for medical payments. The auto insurance coverage allows you to save up to 20 percent. With a combined policy, if both are damaged in the same accident only one deductible must be paid.
How much you will pay for your insurance will depend on your personal driving record, your age, your RV, what kind of coverage you want, your location, and other factors.
When it comes to customer service, Blue Sky RV insurance is rated as “excellent” by Consumers Advocate.
RV America Insurance
RV America Insurance has been in business since 1979. It provides RV insurance through partner companies like Progressive, National Interstate, Allied, Blue Sky, American Modern, McGraw, Dairyland, Assurant, Foremost, Safeco, Mercury, MetLife, and GMAC.
You can get multiple quotes to compare the types of insurance offered by all of these companies and get the best deal with one call. This doesn’t just save you time, it also allows you to more easily customize your RV insurance to suit your needs.
How much you will pay depends on your personal situation, your type of RV, your driving record, your age, your location, and other factors. You might also be eligible for additional discounts that the individual insurance companies might offer.
RV America’s call center is open six days a week. The type of customer service you will get will depend on which partner company you go with. You will then deal with that company for your policy needs. Consumers Advocate rates RV America’s service as “excellent.”
Esurance is owned by Allstate and provides affordable insurance for vehicles and homes across the U.S.
This insurer emphasizes the use of technology in the insurance process by leveraging online and mobile channels to make buying insurance and making claims easier. Esurance’s RV insurance is offered through a number of partners rather than directly.
Esurance has flexible coverage options that you can tailor to your needs. Among the options: additional liability coverage for an RV, coverage for occupants of your car, coverage for personal property, coverage for emergency roadside assistance, collision and comprehensive coverage, uninsured or underinsured motorist coverage, medical payments coverage, emergency towing and coverage for rental cars if your RV breaks down.
To qualify for RV insurance, your vehicle must have cooking appliances, a bathroom, refrigeration, self-contained heating and/or air conditioning, drinkable water supply, and electrical plug systems. Esurance covers so many different types of RVs.
How much you’ll need to pay for insurance will depend on factors such as your driving record, what kind of RV you own, how much you’ll be driving, and what kind of coverage you want. However, Esurance does offer some discounts if you pay your RV insurance up front, maintain a clean driving record, and increase your deductible.
Esurance, with a 24/7 claims service, has a “very good” rating by Consumers Advocate.
Safeco Insurance offers RV insurance in most states. They will cover you if you have a luxury coach motorhome, a travel trailer, a fifth wheel, a pop-up camper, or a camper van.
Safeco’s policies allow for customization. However, their coverage only allows you to use your RV for up to 150 days per year or about five months. The company’s policies protect both your personal belongings and your vehicle with features like roadside assistance and emergency assistance, and coverage of audio-visual or custom equipment.
Safeco’s also has loan or lease protection that will cover the difference between what’s left on your loan and your RV’s worth in the case of a total loss, and a diminishing deductible in which your deductible is reduced by $100 per year for up to $500. You also can get coverage against damage or theft for some personal belongings, electronic lock-and-key replacement, and pet coverage in case your dog is injured or dies in a collision.
Like all auto insurance, Safeco’s policies include bodily injury liability, property damage liability, personal injury protection, medical payments, uninsured and underinsured motorist protection, comprehensive insurance, and collision insurance.
The company offers RV insurance discounts and savings, for example for taking an accident prevention course, having anti-theft devices, putting your RV in winter storage, certain types of RVs, having more than one vehicle under the insurance, and choosing a higher deductible. How much you will pay will depend on your personal situation, the type of policy you choose, your driving record, how much you intend to use your RV, among other factors.
Safeco’s customer service and satisfaction received a “very good” rating from Consumers Advocate.
GEICO, another well-known auto insurance company, offers RV coverage for motorized RVs and towable RVs in most states.
Geico’s policy includes total loss replacement if your RV is totaled within the first four years after the model comes out. In the fifth through seventh year, Geico either provides you with the actual cash value at the time of the accident or the original purchase price. After the seventh year, the settlement is paid out on the actual cash value of your RV.
Geico provides the replacement cost for all personal property in your RV. They provide an automatic coverage of $1,000 or $5,000 in replacement cost coverage for personal effects with their comprehensive and collision coverage. You can get additional coverage up to $100,000.
The RV insurance includes vacation liability coverage in case an accident occurs while you are on vacation, and $1,000 in emergency expense coverage in case you need hotels or transportation. Additional coverages include a special windshield deductible of $50 in case you need to replace your RV windshield, and no charge for windshield repairs. It also includes recreational vehicle medical payments coverage.
GEICO covers Type A motorhomes, Type B motorhomes, and Type C motorhomes, as well as other sports utility RVs. The coverage provides towable RV and travel trailer coverage including for conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends, and folding camper trailers and truck campers. The insurance also covers a toy-hauler if you are transporting a motorcycle or ATV.
GEICO is well-known for their customer service and received an “excellent” rating from Consumers Advocate.
National Interstate Insurance
National Interstate Insurance provides insurance coverage in more than 40 states for specialty property like RVs and other special insurance products. It primarily offers insurance products for transportation companies, but it also offers products for RV owners who spend significant time on the road in one or more states.
National Interstate Insurance’s policy combines the features of an auto policy with those of a homeowners policy, as an RV is often considered a home on wheels. Coverage can include motorhomes, fifth wheel vehicles, bus conversions, stationary trailers, or travel trailers. Insurance for bus conversions can run up to $2 million in many states with liability limits of up to $1 million. National Interstate also insure your tow vehicle.
National Insurance offers coverage that includes total loss replacement, and purchase price guarantee that allows you to more easily replace your vehicle if it is destroyed in a crash. They also offer a diminishing deductible, which is reduced by 25 percent each year that you’re claims-free. The coverage includes your personal effects that are worth under $1,000, but you can purchase special coverages for items that are worth over $1,000 each in $1,000 increments. They also offer emergency vehicle vacation expenses in case your trip is disrupted.
Special coverage covers windshield replacement and awning replacement, which are the two most common RV claims. Coverage also can cover full-time RV users who are in their RV more than five months per year. Finally, if you use your RV in connection with your business you can receive commercial usage coverage.
How much you’ll pay is depends on your personal situation and your RV. It will also vary depending on your age, driving record, state, level of coverage, the value of your contents, and other factors.
Their coverage was rated as “very good” by Consumers Advocate.
Best RV Insurance FAQs
How Much Does RV Insurance Cost?
How much you will personally pay in RV insurance will depend on what you’re insuring, what kind of coverage you want, your personal driving record, your location, and what kind of deductible you’re willing to pay.
You might also qualify for discounts with certain companies by paying your insurance in full or getting more than one type of coverage from that insurance company. You could also save money if you have a clean driving record, use your RV less, or belong to certain affinity groups. Each insurance company offers different discounts and their pricing can vary significantly. To get the best RV insurance, shop around and get multiple quotes before purchasing.
What Factors Impact Cost?
Types of Coverage
The first priority in looking into RV insurance is determining what kind of coverage you want. Like car insurance, some coverages are mandatory in all states and some coverages are mandatory only in certain states.
You can choose from several types of coverage. If you want to save money, the fewer add-ons the better — but that likely means exposing yourself to more risk. For example, you might decide to pass on personal belonging coverage, but if someone breaks into your RV and steals your valuables, you could regret not being covered.
Generally, the more coverage you have, the more you will pay, but different companies price add-ons differently, so shop around.
Liability coverage protects you if you are at fault in an accident. If you hit someone and injure them or damage their property, then your RV liability insurance will cover you if you’re sued and must pay out a settlement to the injured party if you’re found at fault.
You can get various levels of liability coverage for your RV, although many states often require that you have a minimum amount of coverage. However, that might not be enough to completely cover your liability in case you injure someone. So you might want to get more coverage by adding additional liability coverage to your policy or getting an umbrella policy that will provide you with additional general liability coverage.
Personal Injury Protection
With liability coverage, you can ensure that you’re able to cover the medical needs of someone in another vehicle that gets hit. But what if you’re injured during the accident? If you don’t have personal injury coverage, you will have to pay for your medical bills yourself. That’s why personal injury coverage is required in many states. Each state has a different minimum, but you can also get additional coverage above that amount.
Collision insurance covers repairs or the replacement of your RV in case you get into an accident. Collision insurance for RVs often gives you the option to decide between cash value or full replacement value, where you get the money that you need to buy a new RV. Some insurers offer an option that provides you with a new RV only in the first five years after the model comes out, and then provides you with your purchase price for several years after that. This option is sometimes only available to the original buyer of the RV.
Many drivers only have the minimum amount of RV insurance. Since an RV is worth a considerable amount of money, you could run into a problem if you get into an accident that is not your fault.
However, uninsured/underinsured motorist coverage will make up the difference between the costs in replacing or repairing your RV, and the amount covered by the insurance of the person who hit you. Even if you forgo uninsured/underinsured motorist coverage for your car, you may want to get it for your RV for this reason. This is especially important if you used a loan to finance your RV because if your RV is totaled, your loan could suddenly come due and you may not have the money.
Statistically, many accidents are unlikely to happen, but there is a chance that they can. Comprehensive insurance covers you in those worst-case scenarios.
Each insurance company has different types of dangers and risks that they insure against, comprehensive insurance coverage covers you against, for example, storms, lightening, hail, theft, and vandalism. Some policies will also cover you against more extreme events like floods or landslides. To better understand the risks a company protects against, read the fine print of their policy.
Do you live in your RV full-time? If so, you may need to get full-time RV insurance. But while the name suggests that it’s just for people who spend all their time in their RV, part-time RV users may need this coverage as well.
Depending on the insurance company, it could mean that you spend over four months or six months of the year in your RV. Be sure to read the fine print of each company’s policy so that you can make sure you get the right coverage. As you might expect, full-time coverage is more expensive than recreational coverage.
Many insurance companies will give you the choice between coverage that will pay you the full replacement cost of your possessions and your vehicle, or coverage that only covers their current cash value. The cash value is often less than you paid or what you would need to replace it because it factors in wear and tear and depreciation.
Full replacement cost coverage is more expensive, but how much more expensive depends on the insurer. Some insurers include full replacement value coverage in their base policy. For others, it’s an add-on.
Some insurers offer full replacement value on just the RV, and others offer it on both the RV and your personal belongings. Some have conditions on getting the full replacement value that include factors like the age of your vehicle. Read the fine print to make sure you understand your policy.
You likely keep far more of your personal belongings in your RV than in any other vehicle you own. For that reason, you’ll want to ensure that they are covered in case they are damaged or stolen.
Sometimes your homeowners or renters insurance will provide coverage for the personal possessions that you take with you when traveling. Before you set out on the road in your RV, make sure your stuff is covered. If not, you might need to get personal belongings coverage on the items in your RV.
How much this will cost will depend on the value of the items. Some policies give you automatic coverage of a certain amount of your personal items. This type of coverage varies widely. One company provides nearly $100,000 in coverage, whereas many others provide only up to $3,000. Other companies might cover just items below $1,000 in value each, and require scheduled coverage for items valued above that amount.
If you get into an accident on the way to your vacation, you may need vacation liability. Not only is your vacation canceled, but you might have added expenses like hotels or campground fees. Vacation liability insurance pays for your vacation expenses this scenario – when you’re unable to take your trip. Usually this coverage is capped, so read your policy’s fine print to determine the limits.
Permanently Attached Items
If you invested in expensive items to improve your RV, such as an awning to keep you cool on hot days, you may want to consider insurance for permanently attached items. Those items would then be covered if you get into an accident. Other permanently attached objects might include additions like satellite dishes or TV antennas.
Location is important when it comes to RV insurance because it determines how likely your RV would experience theft or vandalism, or get damaged by a natural phenomenon like hail or a bad storm. Your RV insurance rate is based on your permanent address, so even if you spend most the time on the open road in your RV, you will still be charged based on where you live.
When it comes to any type of insurance, there is always one rule that applies – the higher your deductible, the more that you’ll save. That’s because you’re less likely to make a claim if you have a higher deductible since you’ll be required to pay for small claims out of pocket. In addition, when you do make a claim, it will cost the insurance company less.
Exactly how much you’ll save on your deductible will depend on the insurance company and your particular situation. You could save several hundred dollars by increasing your deductible. However, you don’t generally save as much as the difference in your deductible. So if you have one claim you won’t really save in the end.
Whether you want to choose a higher deductible should also depend on if you have the cash available to pay your deductible if need be. If you don’t have the cash to pay for a deductible, you might decide to get the smaller deductible.
When it comes to insuring your RV, you need to know what class your RV is to get the right kind of insurance. There are often stipulations for each of the classes and what they include differ from one state to another. Here’s a breakdown on how the classes are defined:
- Class A: Class A motorhomes are constructed on a commercial truck chassis or a commercial bus chassis and resemble a bus from the outside. Some have slideouts that allow you to increase the space inside the motorhome. These are big and often hard to maneuver.
- Class B: Class B motorhomes are built using a conventional van. To qualify as a class B motorhome, your vehicle needs to have built-ins like a sink or shower, a fridge, a stove, an AC unit, a toilet, electrical outlets, or a cooking system.
- Class C: Class C motorhomes are built on a truck chassis and have a cab section that is based on a van or truck. The outer structure is usually rigid and weatherproof. These motorhomes also often have slideouts.
- Other Types: In addition to those three classes of RVs, your RV could be classified as a truck camper, a pop-up camper, a travel trailer, a fifth-wheel trailer, or other less common types of RVs. It’s important to know what type of RV you have so that you can find the right kind of insurance.
Can You Get a Cheap RV Insurance Policy?
There are several ways to get a cheap RV insurance policy or to reduce the cost of your policy. The first way is to shop for the best RV insurance deal because insurers vary widely with their premiums. Also, look for special discounts. Many will give you a discount if you pay in a lump sum, have a clean driving record, choose a higher deductible, or belong to certain affinity groups.
But a cheaper policy is not always better. You can reduce the cost of your RV insurance policy by not getting as much coverage, however, that exposes you to potential out-of-pocket liabilities and costs if you do get into an accident.
You may have to pay thousands of dollars in repairs because you tried to save a few hundred bucks on your RV insurance. Don’t skimp on the important coverages like liability coverage and personal injury insurance. If your RV is valuable, make sure you have it properly protected in case of collision or theft.
How Does RV Insurance Work When Renting?
If you already have homeowners insurance or an auto insurance policy, then you might be partly covered if you rent an RV.
However, make sure to read your policy closely. To be safe, you might want to buy RV insurance from the person who is renting out the RV. The problem is that they’ll usually offer coverage at an inflated price. If you want to save a little more, you can purchase RV rental coverage online in advance.
Considerations When Living in Your RV Full-Time
If you’re living in your RV full-time, make sure that you have full-time RV insurance. You’ll also want to make sure that you have enough personal property coverage in case your things are stolen or damaged. That might mean itemizing your belongings and getting enough insurance to cover it all.
You might also want to think about whether you want to get emergency expenses coverage that will give you money for a hotel or food expenses, in case you can’t live in your RV for a period of time because it’s getting repaired or replaced.
How Much RV Insurance Do You Need?
How much insurance you need, depends on what your priorities are. Obviously, if you took out a loan to purchase your RV, you want to make sure you are covered at full replacement or purchase value so that you can pay off your loan. You’ll also want to get uninsured and underinsured motorists protection in case someone hits you, and they can’t fully pay for your RV’s repair.
Before you decide how much insurance you want, determine how much liability coverage or personal injury coverage you might need and how much coverage you want on your personal belongings. When it comes to liability coverage, you might be better off getting an umbrella policy than getting additional liability coverage on your RV.
When it comes to personal property coverage, you might want to get cash value coverage on your valuables. Or maybe full replacement value coverage is best for you. The best way to know if you have enough coverage is to imagine the worst-case scenarios and think about what you would do if they happened. Extra insurance can protect you if you don’t have significant personal savings.
What Other Policy Add-Ons Are Important?
When it comes to RV insurance, a lot of benefits might be more important than they seem. For example, emergency roadside assistance might be incredibly important if you have an older RV or plan to spend a lot of time on the road. Similarly, if you plan to travel to Mexico, you’ll want to get insurance that will cover you there. Other important policies include coverage for your personal belongings, permanent attachment coverage, and vacation liability coverage.
If you have pets, you may benefit from pet coverage as an add-on so you can pay your pet’s veterinary bills. Or you might need windshield replacement coverage if you tend to get rock chips from all your driving. There are a number of add-ons and that might be important to you. It will all depend on how you use your RV.