Best Fifth Wheel Insurance Providers

RV insurers offer policies based on your exact vehicle type. For fifth-wheel RVs—which hang over the beds of pickup trucks—insurance generally covers things like personal belongings, specialized equipment, and even full replacement of your RV.

RV policies vary greatly, though, and it’s important to shop around when looking for an insurer for your recreational vehicle. Use this guide to find the right fifth wheel insurance provider for you.

On this page:

Best fifth wheel insurance options
How much does fifth wheel insurance cost?
How much fifth wheel insurance coverage do you need?

Best fifth wheel insurance options

If you want the best RV insurance at the best price, it’s important to consider several insurers before securing your policy.

Here are our picks for the best fifth wheel insurance companies:

Good Sam

View Rates

Full Replacement Coverage? Yes
Personal Belongings Coverage: Up to $3,000
Multi-Vehicle Discount: Up to 20%

Good Sam is a national insurance agency offering RV, auto, home, and boat insurance coverage. The company also operates the Good Sam RV Club, which offers discounts at campsites, outdoor retailers, gas stations, and more.

Here’s what you need to know about its fifth wheel insurance policies:

Coverage options: Full replacement cost, permanent attachments, personal effects, full-timer, emergency expenses
Eligibility requirements: Drivers must be 18 years old and have a valid driver’s license and Social Security number
Discounts available: Multi-vehicle and multi-policy, paperless billing, paid-in-full premiums, safe driver, anti-theft, homeowner, in-storage
Key features: 24-hour claims reporting, automatic personal belongings coverage, no depreciating values on parts and repairs

National General

View Rates

Full Replacement Coverage? Yes
Personal Belongings Coverage: Up to $3,000
Multi-Vehicle Discount: Up to 20%

National General offers a wide variety of insurance products, including RV, car, home, business, motorcycle, and health coverage. Its RV insurance coverage options are extensive and include policies specific to travel in Mexico.

Here’s a quick look at National General’s RV insurance:

Coverage options: Specialized equipment, full replacement, permanent attachments, liability, collision, full-timer, Mexico, emergency expenses, rental car insurance
Eligibility requirements: Drivers must have a valid driver’s license and a qualifying RV (fifth wheels are eligible)
Discounts available: Safe driver, low mileage, multi-vehicle and multi-policy, paperless billing, paid-in-full premiums, in-storage
Key features: 24-hour claims reporting, automatic personal belongings coverage, no depreciating values on parts and repairs, online claims reporting

Progressive

View Rates

Full Replacement Coverage? Yes
Accident Coverage: Up to $500,000
Pet Injury Coverage: Up to $1,000

Progressive is a nationally known insurance agency that provides car, home, and RV insurance, among other coverages. Its RV policies extend to motorhomes, fifth wheels, and even cargo and horse trailers.

Here’s a brief look at the company’s RV offerings:

Coverage options: Emergency expenses, roadside assistance, pet injuries, vacation liability, full-timer, personal belongings
Eligibility requirements: Drivers need to be at least 18 years old and have a valid driver’s license and Social Security number
Discounts available: Paperless billing, safe driver, original owner, paid-in-full premiums, anti-theft devices, homeowner, advanced quote
Key features: 24-hour claims reporting and customer service, online and app claim reporting, wide network of repair locations, accident forgiveness, disappearing deductibles

How much does fifth wheel insurance cost?

Your fifth wheel insurance premium will vary depending on your vehicle, personal situation, location, and insurer.

Here are just a few of the factors that will influence your rate:

The make and model of your vehicle
The mileage on your RV (and your expected mileage for the coverage period)
Previous damage to the vehicle
Your driving record (and that of any other drivers covered)
Your credit report
Use of the RV (full-time, part-time, vacation only)

Check out our article to see the average cost of RV insurance.

How much fifth wheel insurance coverage do you need?

Because fifth wheel trailers are attached to your vehicle (and not actually driveable), your car’s liability coverage should extend to the RV. Still, that doesn’t mean you’re completely covered—especially if you’re in a serious collision.

Additionally, if you’ve financed the RV, your lender might require you to carry more thorough coverage in order to protect them from loss.

Here are just a few of the types of insurance you might want in order to protect your investment:

Liability: This covers the costs of repairs and medical payments (on other cars, drivers, and passengers) if you’re in a wreck.
Comprehensive coverage: This is to cover damage to your vehicle not caused by a collision (weather-related damage, theft, vandalism, etc.).
Collision: This covers damage and repairs on your own vehicle due to a wreck. It can also replace your car if it’s totaled.
Roadside assistance: This offers towing and roadside repairs should your vehicle stall out on the road.
Total loss replacement: You’ll use this if your RV is completely totaled and you need to replace it.
Personal belongings: This protects the personal items you have in the car or RV and will reimburse you if they’re stolen or damaged.
Full-time: Full-time RV insurance acts more like homeowner’s insurance if you use your RV as a permanent residence.

Make sure you check with your state DMV, as well as your lender (if you’ve financed the RV) to see what coverages you’re legally required to have. And if you need more help finding the right RV insurance policy for your vehicle, check out our guide to the best RV insurance companies.

Recap of the best fifth wheel insurance

Provider	Best for
Good Sam	Coverage
National General	Customer care
Progressive	Discounts and forgiveness