RV insurance isn't just "car insurance for your RV." Whether you drive a Class A motorhome or tow a fifth wheel, proper coverage protects both your investment and your liability on the road.

This guide breaks down coverage types, typical costs, and how to find the right policy for your situation.

Do You Need RV Insurance?

Yes, in most cases:

• Motorhomes (Class A, B, C): Require specialized RV insurance in most states
• Towables (travel trailers, fifth wheels): May be covered under your auto policy's comprehensive/collision, but specialized coverage is recommended
• If financed: Your lender will require comprehensive and collision coverage

Types of RV Insurance Coverage

1. Liability Coverage (Required)

Covers damage you cause to other people or property.

• Bodily injury: Medical bills, lost wages, legal fees
• Property damage: Repairs to other vehicles/structures
• Recommended minimums: $100,000/$300,000/$100,000 (per person/per accident/property)

2. Comprehensive Coverage

Covers non-collision damage like:

• Theft or vandalism
• Fire, hail, or wind damage
• Falling objects (tree branches, etc.)
• Animal strikes

3. Collision Coverage

Covers damage from accidents, including:

• Hitting another vehicle
• Backing into a post or tree
• Rolling over
• Single-vehicle accidents

4. Specialized RV Coverages

Total Loss Replacement:

If your RV is totaled within the first few years, you get a brand new equivalent model (not just depreciated value). Worth it for new RV buyers.

Personal Belongings Coverage:

Covers items inside the RV like laptops, cameras, and clothing. Your homeowner's policy may have limited coverage for items in an RV.

Vacation Liability:

If someone is injured while your RV is parked and being used as a temporary residence.

Emergency Expense Coverage:

Pays for hotel, food, and transportation if your RV becomes uninhabitable after an accident.

Roadside Assistance & Towing:

Critical for RVs. Towing a motorhome can cost $500+ per incident. Most policies include towing up to $100-200 per event; upgrade to unlimited for peace of mind.

Full-Timer Coverage

If your RV is your primary residence, standard RV insurance won't cut it. You need full-timer's insurance, which functions like homeowner's insurance:

• Higher personal property limits
• Full-time liability coverage (not just "vacation use")
• Coverage for permanent attachments (porches, sheds)
• Loss of use coverage if the RV is totaled

Average RV Insurance Costs (2025)

Costs vary wildly based on RV type, value, location, and driving record.

Top RV Insurance Providers

1. Progressive

• Pros: Competitive rates, easy online quotes
• Cons: Customer service complaints for claims

2. Good Sam RV Insurance

• Pros: RV-specific coverage, full-timer options, replacement cost coverage
• Cons: Slightly higher premiums

3. National General (Explorer RV)

• Pros: Excellent for full-timers, roadside assistance
• Cons: Limited availability in some states

4. Geico

• Pros: Low rates for towable RVs
• Cons: Limited motorhome coverage options

How to Save on RV Insurance

• Bundle policies: Combine RV, auto, and home insurance with one provider
• Higher deductible: $1,000-2,500 deductible can lower premiums 15-30%
• RV club membership: Good Sam members get discounts with certain insurers
• Safe driver discounts: Clean driving record = lower rates
• Anti-theft devices: GPS trackers and alarm systems may qualify for discounts
• Pay annually: Save 5-10% vs. monthly payments
• Limited mileage: If you drive less than 5,000 miles/year, ask for a low-mileage discount

Conclusion

RV insurance is not a place to cut corners. Get quotes from at least 3 providers, read the fine print on coverage limits, and make sure you have adequate protection for your lifestyle.

Whether you're a weekend warrior or a full-time nomad, the right insurance gives you peace of mind to enjoy the journey.