Roamly RV Insurance Review
Roamly stands out for its unique coverage options, including coverage for rented RVs. See what else this RV insurer offers.
Many or all of the companies featured provide compensation to LendEDU. These commissions are how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear on our site.
What we like:
Policies cover RV owners who rent their RV through rental marketplaces such as Outdoorsy.
| J.D. Power Overall Satisfaction Ranking | N/A |
| A.M. Best Rating | Depends on the underwriting company |
| Replacement Cost Coverage? | Yes |
| Discounts Available? | Yes |
Roamly’s founders aimed to make RV insurance more accessible and less expensive for RV dwellers. The company is owned by Outdoorsy, one of the biggest and most popular online marketplaces for RV rentals.
Roamly’s comprehensive RV insurance policies are underwritten by a handful of partner companies, including Safeco, National General, and Allstate. As of February 2023, Roamly RV insurance is available in 18 states and Canada.
In this review:
- Roamly RV insurance at a glance
- Pros and cons of Roamly RV insurance
- Who’s eligible?
- How to get a Roamly RV insurance quote
- Where to find alternatives
Roamly RV insurance at a glance
| Roamly | |
| J.D. Power score | N/A |
| A.M. Best rating | Depends on the underwriting company (listed below) |
| Discounts available | Homeowner, military, existing auto or RV insurance, early bird |
| Coverage options | Liability, 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 availability | Alabama, Arizona, California, Colorado, Georgia, Idaho, Illinois, Indiana, Kentucky, Minnesota, Missouri, Ohio, Oklahoma, Oregon, Tennessee, Texas, Utah, Wisconsin |
| Visit lender | www.roamly.com/ |
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.
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
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
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.
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.
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 in effect 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 perk.
Cons
- Not available in every state: Roamly only sells RV insurance policies in 18 states and Canada.
- Can’t choose your insurance underwriter: Because Roamly’s RV policies are underwritten by other insurance companies, 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
As of February 2023, Roamly sells RV insurance policies in 18 states and in Canada, but the company is continuing to expand its coverage area.
The states where you can purchase coverage from Roamly are:
- Alabama
- Arizona
- California
- Colorado
- Georgia
- Idaho
- Illinois
- Indiana
- Kentucky
- Minnesota
- Missouri
- Ohio
- Oklahoma
- Oregon
- Tennessee
- Texas
- Utah
- Wisconsin
How to get a Roamly RV insurance quote
Roamly makes it easy to get an RV insurance quote online in about a minute.
Start by navigating to the homepage, then click “get a quote” to start the application. You can also call the company at 877-725-1245 if you prefer to get a quote over the phone.
To start the quote process online, you’ll provide details about yourself and your RV. Here’s information you should have on hand:
- The make, model, and year of your RV
- The RV’s vehicle identification number
- Your driver’s license number
- Your years of RV driving experience
- Number of months per year you travel in your RV
You will also confirm whether you qualify for any discounts. Roamly offers savings for homeowners, military personnel, having continuous auto or RV insurance, and purchasing a policy at least a week before coverage starts.
Once you complete the questions, you’ll see your quotes for Standard, Extra, and Premium:
- Standard: Lowest coverage limits and highest deductible, with the cheapest rate.
- Premium: Highest coverage limits and lowest deductible, with the most expensive rate.
- Extra: Falls in the middle of Standard and Premium. This is the policy that’s “recommended” by Roamly.
When Roamly presents your personalized quotes, you’ll see the monthly rate and the annual rate, which you can pay upfront or in monthly installments.
Soon after reviewing your quotes, you can expect a phone call or text message from a Roamly agent. You must speak with an agent and confirm your policy details before you can purchase a policy.
During your phone call with the agent, you’ll have the opportunity to adjust your coverage limits and deductibles, add endorsements, and ask questions. Once everything is final, the agent will recalculate your rate quote and get your policy set up.
Roamly’s RV insurance quotes are non-binding. So if the quotes don’t fit your budget or you change your mind about insurance, you can walk away.
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.
Want to learn more about Roamly RV insurance?
| Find out more | |
| Website | www.roamly.com/ |
| Full replacement cost coverage | Yes |
| Personal belongings coverage | Yes |
| Multi-vehicle discount | N/A |
>>Read more: List of insurance companies