RV Insurance Guide: What You Actually Need (And What You Don't)
When I first bought my RV, I was totally overwhelmed by insurance options. After filing two claims (yes, accidents happen!) and hours of research, here's what I've learned about RV insurance.
Essential Coverage Types
Every RV owner should consider these fundamental coverage types that form the backbone of a solid insurance policy:
Collision
Covers damage to your RV from accidents involving other vehicles or objects.
$400-800/year
What's covered:
- Repairs after an accident
- Replacement if totaled
- Coverage regardless of fault
Comprehensive
Protects against non-collision damage like theft, vandalism, and natural disasters.
$300-600/year
What's covered:
- Storm damage
- Theft or vandalism
- Fire damage
- Falling objects
Liability
Required by law, covers damages you cause to others while operating your RV.
$200-400/year
What's covered:
- Property damage
- Bodily injury
- Legal defense costs
Optional Coverage (But Worth Considering)
Depending on how you use your RV, these additional coverages can provide crucial protection:
Full-timer's Coverage
Essential if your RV is your primary residence. Works similarly to homeowners insurance.
Personal Effects Coverage
Covers your belongings inside the RV, like electronics, clothing, and equipment.
Emergency Expense Coverage
Covers hotel stays, transportation, and meals if your RV becomes uninhabitable.
Vacation Liability Coverage
Protects you if someone is injured while visiting your parked RV.
Real Cost Examples
Insurance costs vary widely based on RV type, value, and your driving history. Here are some real-world examples:
Class C Motorhome (30ft)
$1,200/year
$800/year
- Collision & Comprehensive
- Liability ($100k/$300k)
- Roadside assistance
- Personal effects ($3,000)
Class A Motorhome (36ft)
$1,800/year
$1,200/year
- Collision & Comprehensive
- Liability ($250k/$500k)
- Roadside assistance
- Personal effects ($5,000)
- Emergency expense coverage
Travel Trailer (24ft)
$600/year
$400/year
- Collision & Comprehensive
- Personal effects ($2,000)
- Emergency expense coverage
Money-Saving Tips
Don't overpay for RV insurance! These strategies can help reduce your premiums while maintaining good coverage:
Bundle Your Policies
Combine your RV insurance with auto or home insurance from the same provider.
15%
RV Driving Course
Complete an approved RV driving safety course to demonstrate your skills.
10%
Safety Features
Install anti-theft devices, backup cameras, and other safety equipment.
5-10%
Pay Annually
Choose annual payment instead of monthly installments.
5-10%
Increase Deductibles
Opt for higher deductibles if you can afford to pay more out-of-pocket in case of a claim.
10-20%
Storage Discount
Ask about reduced rates during months when your RV is in storage.
5-15%
Common Mistakes to Avoid
Don't Just Add Your RV to Your Auto Policy
Regular auto insurance often doesn't cover RV-specific issues like awning damage or campsite liability. An RV is not just a big car—it's also a temporary home.
Don't Underinsure Your Personal Belongings
Many RVers don't realize how much value they have in personal items inside their RV. Take inventory of your belongings to ensure adequate coverage.
Don't Forget About Specialized Coverage
If you have custom equipment, solar panels, or aftermarket modifications, make sure they're specifically listed on your policy.
Insurance Company Comparison
Based on my research and experience, here's how different insurance providers compare for RV coverage:
| Company | Best For | Unique Features | Customer Rating |
|---|---|---|---|
| National General | Full-time RVers | Replacement cost coverage for personal belongings | 4.2/5 |
| Progressive | Bundling discounts | Disappearing deductibles | 4.0/5 |
| Good Sam | Storage options | Full replacement cost for new RVs (first 5 years) | 4.1/5 |
| Allstate | Comprehensive coverage | Sound system coverage included | 3.9/5 |
*Ratings based on consumer reviews and personal experience. Your experience may vary.
Frequently Asked Questions
Do I need RV insurance when my RV is in storage?
Yes, but you may qualify for a storage discount. Comprehensive coverage is still important to protect against theft, weather damage, and other non-driving risks.
Does my auto insurance cover my travel trailer?
Your auto policy likely provides basic liability while towing, but won't cover damage to the trailer itself or any contents. A separate RV policy is recommended.
What's the difference between actual cash value and replacement cost?
Actual cash value pays what your RV is worth today (purchase price minus depreciation). Replacement cost pays what it would cost to replace with a new, similar model.
Calculate Total RV Costs
Use our RV Cost Calculator to factor in insurance costs with other RV expenses.
Our calculator helps you estimate:
- Monthly insurance premiums
- Fuel costs based on travel plans
- Maintenance expenses
- Campground fees
- Total cost of ownership