How much does RV insurance cost?

RV insurance premiums vary based on the class of your RV, its value, your driving history, and how often you use it. On average, a part-time recreational policy can cost a few hundred dollars a year, while full-timer coverage will be more.

Does my auto insurance cover my RV?

Your auto policy may provide limited liability coverage when you're towing a trailer, but it won't cover physical damage to the RV itself or your belongings inside. Motorized RVs (Class A, B, C) legally require their own separate policy.

What's the difference between full-timer and part-timer coverage?

Part-timer coverage is for those who use their RV for vacations (typically under 150 days a year). Full-timer coverage acts more like homeowners insurance, providing higher liability limits and personal property protection since the RV is your primary residence.

Is my RV covered when it's parked and not in use?

Yes, as long as you maintain comprehensive coverage, your RV is protected against theft, vandalism, weather damage, and fire even while it's in storage.

What is vacation liability coverage?

Vacation liability (or campsite liability) protects you if someone is injured in or around your RV while it's parked at a designated campsite or RV park.

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RV & Motorhome Insurance

Comprehensive coverage for your home on wheels and travel adventures

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What is RV Insurance?

RV insurance provides specialized coverage for recreational vehicles, motorhomes, travel trailers, and campers. It combines elements of auto and homeowners insurance to protect both your vehicle and your living space on the road.

Whether you're a weekend warrior or a full-time RVer, proper insurance protects your investment and provides liability coverage, personal property protection, and emergency assistance while you travel. Coverage can be customized based on how you use your RV and where you travel.

RV insurance is typically required by law if your RV is motorized, and most campgrounds and RV parks require proof of insurance.

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What RV Insurance Covers

Comprehensive protection for your recreational vehicle and travels

Vehicle Damage

Coverage for collision, comprehensive damage, fire, theft, vandalism, and weather-related damage to your RV.

Liability Protection

Covers bodily injury and property damage you cause to others while driving or parked at a campsite.

Personal Belongings

Protection for your personal property inside the RV, including clothing, electronics, and camping equipment.

Medical Payments

Covers medical expenses for you and your passengers injured in an accident, regardless of fault.

Emergency Expenses

Coverage for lodging, food, and transportation if your RV becomes uninhabitable due to a covered loss.

Roadside Assistance

24/7 emergency roadside service including towing, tire changes, fuel delivery, and lockout assistance.

RVs We Cover

Insurance solutions for all types of recreational vehicles

Class A Motorhomes

Large, bus-style luxury motorhomes

Class B Motorhomes

Camper vans and conversion vans

Class C Motorhomes

Mid-size motorhomes with cab-over design

Travel Trailers

Towable trailers of all sizes

Fifth Wheels

Large trailers with gooseneck hitch

Pop-up Campers

Collapsible tent trailers

Truck Campers

Campers that mount on pickup trucks

Toy Haulers

RVs with built-in garage space

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Why You Need RV Insurance

Legal Requirement

Motorized RVs require liability insurance by law in most states, just like regular vehicles.

Protect Your Investment

RVs are expensive. Insurance protects your significant investment from damage, theft, and total loss.

Home & Auto Combined

RVs need both vehicle and dwelling coverage since they serve as transportation and living space.

Travel with Confidence

Emergency assistance and coverage across state lines gives you peace of mind while traveling.

Frequently Asked Questions

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Popular Coverages

Explore our most requested insurance solutions to complete your protection.

Auto Insurance

Comprehensive coverage for your vehicle.

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Home Insurance

Protect your home and belongings.

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Commercial Insurance

Complete protection for your business.

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General Liability

Essential third-party business protection.

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Business Owners Policy

Bundled liability and property coverage.

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Workers Comp

Coverage for workplace injuries.

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Umbrella Insurance

Extra liability protection beyond limits.

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Life Insurance

Financial security for your family's future.

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