Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Insurance Auto Insurance GEICO RV Insurance Review Updated Jun 19, 2023   |   4-min read Reviewed by Aly Yale Reviewed by Aly Yale Expertise: Home equity, mortgages, real estate Aly Yale is a freelance writer with more than a decade of experience covering real estate and personal finance topics. Learn more about Aly Yale Learn MoreEditorial RatingEditorial RatingWhat we like:Easy-to-use claims app, low rates, lots of customer service optionsJ.D. Power Overall Satisfaction Ranking879 / 1,000A.M. Best RatingA++Customer ServiceAvailable via app, phone, email, Twitter, and mailDiscounts AvailableYesSee how Geico stacks up against top-rated RV insuranceCompare RV Insurance RVs come with serious perks. From a more flexible lifestyle to significantly cheaper travel costs, the reasons for investing in a recreational vehicle are numerous. In fact, according to a study from the CBRE Hotels Advisory Group, vacationing with an RV can save you anywhere from 21% to 64% depending on how many people are in your party. But RV ownership isn’t all fun and games—it also comes with a significant amount of responsibility. Namely, you’ll need to maintain RV insurance, which is different from standard auto insurance or homeowners insurance. Fortunately, the market is rife with insurance companies that offer RV coverage, and there are dozens of options from which to choose. Use this guide to see if GEICO RV insurance could be the policy you need for your recreational vehicle. In this review: Coverage options through GEICO RV InsurancePros and cons of GEICO RV InsuranceWho’s eligible to get GEICO RV Insurance?How to apply for a GEICO RV Insurance quoteWhere to find alternatives to GEICO motorhome insurance Coverage options through GEICO RV Insurance GEICO RV insurance offers a wide variety of coverage options and several discounts. Notably, the company does not offer coverage for permanent attachment or specialized equipment, nor does it have any sort of roadside assistance or mechanical breakdown coverage. There are also no discounts for when your RV is in storage. Here’s a full list of GEICO’s RV insurance coverages: Total loss replacement in the event your vehicle is totaled in the first four model yearsPersonal effects replacement up to $100,000Liability for bodily injury and property damage that occurs on vacationEmergency expenses, including hotel and transportation if your RV is out of commissionWindshield repair and replacementMedical payments for accident-related injuries GEICO is generally known for its lower insurance rates, as well as its easy-to-reach customer service representatives. Policyholders can use an app, email, website, phone, or mail to ask a question or file a claim. Pros and cons of GEICO RV Insurance Based on customer reviews, there are advantages and disadvantages to using GEICO for your RV insurance policy. Here are just a few: Pros Easy, app-based claims reporting 24-7 customer service available online, via mobile app, and on the phone Several discounts available (see above table) Low insurance rates Cons The company has low customer ratings on Consumer Affairs (less than 3 out of 5 stars) Not available in Hawaii, North Carolina, Michigan, or Massachusetts No coverage for roadside assistance, permanent attachments, or specialized equipment Doesn’t cover all types of RVs (more information below) Six-month insurance policies, rather than one-year It is important that you ultimately make your decision based upon the specifics of your situation and what plan works best for you. Who’s eligible to get GEICO RV Insurance? GEICO RV insurance is available for Class A, B, and C motorhomes, as well as travel trailers. This includes conventional travel trailers, fifth-wheel trailers, truck campers, and folding campers. The only RV classes GEICO does not cover are bus conversions, toterhomes, or vehicles valued at over $500,000. While drivers with a commercial driver’s license can qualify for a special discount, this license is not necessary to sign up for an RV insurance policy with GEICO. How to apply for a GEICO RV Insurance quote GEICO has an online application process. You’ll need to answer questions about your RV, the drivers you want to be insured, and your driving record, so be sure to have your driver’s license and other information on hand. You’ll also need to know how old your RV is, as well as its class, make, model, length, and purchase price. Be ready for questions about your intended use of the vehicle, too. You’ll need to provide your reasons for using the RV and the number of days you drive it. Where to find alternatives to GEICO motorhome insurance Your RV insurance will be one of the largest costs you’ll face as the owner of a recreational vehicle. It’s also one of the most important related decisions you’ll make—especially if you choose to live in your RV full-time and need full-time RV insurance. To make sure you get the best possible coverage and price, you’ll want to get plans and quotes from at least three different insurance companies before making a selection. Need help getting started? Our guide to the best RV insurance providers can help.