Roamly RV Insurance Review

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	AK, AL, AR, AZ, CA, CO, CT, DE, GA, IA, ID, IL, IN, KS, MD, ME, MN, MO, MS, MT, NC, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI, WV, and WY

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 effective 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. 

Cons

• Not available in every state

  Not available in Florida, Hawaii, Kentucky, Louisiana, Massachusetts, Michigan, New Hampshire, New Jersey, New York, North Dakota, Rhode Island, or Vermont.

• Can’t choose your insurance underwriter

  Because other insurance companies underwrite Roamly’s RV policies, 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, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming.

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

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