Comprehensive Coverage for Your Home on Wheels
RV insurance is a specialized form of coverage that blends auto insurance and homeowners insurance protections. Unlike standard auto insurance, RV policies recognize that your vehicle serves dual purposes—both transportation and temporary (or permanent) living space.
Covers medical expenses for others injured in an accident where you're at fault. Protection for their healthcare costs and lost wages.
Covers medical expenses, lost wages, and replacement services for you and your passengers after an accident, regardless of fault.
Pays to repair or replace property you damage in an accident—including other vehicles, fences, and structures.
Protects you if hit by an uninsured or hit-and-run driver. Covers your medical bills and vehicle damage.
Covers damage to your RV from collisions with other vehicles, objects, or rollovers—regardless of who's at fault.
Protects against non-collision damage: theft, vandalism, weather, fire, animal strikes, and falling objects.
Covers medical bills for you and your passengers after an accident, regardless of fault. Up to your chosen limit.
Reimburses temporary living expenses, transportation, and rental vehicle costs when your RV is disabled far from home.
Covers towing to the nearest repair facility, battery service, fuel delivery, tire repairs, and lockout assistance.
Protects your personal belongings inside the RV—electronics, clothing, camping gear—if stolen or damaged.
Provides liability protection when your RV is parked and used as temporary residence at a campsite.
If your newer RV (under 5 years old) is totaled, we help you purchase a comparable replacement vehicle.
Covers veterinary bills up to $1,000 if your cat or dog is injured in a covered accident.
Covers damage caused by termites, insects, rodents, and other pests that damage your RV's structure and systems.
Specialized coverage for RV roof damage from weather, wear and tear, and other covered incidents.
Extends collision and comprehensive coverage to Mexico when you have liability insurance from a Mexican insurer.
Insurance costs vary significantly based on your RV type, value, and usage patterns.
Largest motorized RVs with full amenities
Value: $100,000 - $500,000+
Compact motorized RVs (van conversions)
Value: $40,000 - $150,000
Towable units, non-motorized
Value: $15,000 - $80,000
Luxury towable trailers
Value: $30,000 - $150,000+
| Factor | Impact on Cost |
|---|---|
| RV Age & Value | Newer, higher-value RVs cost more to insure |
| Driving Record | Clean 5+ years = 20-25% discount; violations = higher costs |
| RV Safety Features | GPS tracking, backup cameras = 10-20% discount |
| Usage Frequency | Light recreational use = lower premium than full-time living |
| Location & Storage | Urban/high-risk areas cost more; secured storage reduces rates |
| Deductible Amount | Higher deductibles = lower premium |
| Coverage Limits | More coverage = higher premium |
If you live in your RV full-time (6+ months per year), specialized full-timer insurance policies offer enhanced protection beyond standard recreational policies.
Covers injuries to others at your campsite or around your RV, even non-accident related incidents.
Covers medical expenses for you and guests regardless of fault, treating your RV as a residence.
Protects if your RV community assesses residents for damages to common areas.
Higher limits for personal belongings ($25,000-$50,000+) for full-time residents.
Covers property stored in nearby sheds or covered storage associated with your residence.
Covers temporary living expenses for extended periods if your RV is damaged.
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For motorized RVs (Class A, B, C motorhomes), liability insurance is required in almost all states—just like for regular cars. For towable RVs (travel trailers, fifth wheels), insurance is optional unless you're financing the vehicle, in which case your lender will require it. However, we strongly recommend comprehensive coverage even for owned towables to protect your investment.
Standard auto insurance focuses on the vehicle and driving-related incidents. RV insurance blends auto coverage with homeowners insurance protections because your RV doubles as a residence. This means RV policies include protections for personal belongings, liability while parked at campsites, and specialized coverages like Roof Protection Plus and Vacation Liability that regular car insurance doesn't offer.
Your auto insurance provides liability coverage while you're towing your travel trailer on the road. However, it does NOT cover damage to the trailer itself, theft while parked, or incidents at the campground. That's why separate travel trailer insurance is essential to fill these coverage gaps.
Costs vary dramatically based on your RV type, value, age, location, driving record, and coverage choices. On average, expect $400-$1,200 annually for travel trailers, $1,200-$2,200 for Class B/C motorhomes, and $2,500-$4,500+ for Class A motorhomes. We recommend shopping multiple quotes as rates can vary by 40% or more for identical coverage.
Good news! You can suspend certain coverages during storage months to save money. Many insurers allow you to temporarily reduce collision coverage or even pause your policy entirely during off-season months, then reactivate it when you hit the road again.
Yes! With Pet Injury Coverage (available when you have both Collision and Comprehensive), we cover up to $1,000 in veterinary bills if your pet is injured in a covered accident. We also provide a $1,000 death benefit if your pet doesn't survive the incident.
Pest Damage Protection Coverage covers damage from termites, insects, rodents, and other vermin. This is important because RVs stored or parked for extended periods can be vulnerable to pest damage, especially in certain regions.