Types of RV Coverage Offered
- Lifetime repairs coverage
- New RV replacement coverage
- First accident forgiveness
Discounts Available for RV
- AARP membership
- Driver safety course
- Disappearing deductible
Further Reading on The Hartford:
**J.D. Power’s 2020 U.S. Auto Insurance Study average rating. Based on a 1,000-point scale.
How to Find the Best RV Insurance Provider
Before you select an RV insurance provider, there are some factors you should consider, such as what type of RV you have, how much coverage you need, and how much you can afford to pay for your premium and deductible. You should also keep in mind how often you’ll be traveling.
Know Your RV’s Class
Most insurance companies offer a certain level of coverage based on RV class. Before getting insurance, you should know what class your RV is:
- Class A motorhomes: These are the largest and most upscale types of RVs. Class A motorhomes can often sleep up to 10 people.
- Class B motorhomes: Class B motorhomes are also referred to as sleeper vans or campervans. They are smaller than class A, but still come with amenities such as a kitchen, bathroom, and separate bed area.
- Class C motorhomes: These motorhomes are often built on a truck or van chassis, and they are the smallest class of RVs. If your motorhome has an attached cab or an overhead bunk, it’s probably class C.
Decide on Coverage
Figure out how much coverage you need and what type of coverage makes sense for you. For example, you’ll probably want more coverage if you’re traveling with multiple people or plan to travel for long periods of time. You might also consider purchasing add-on coverages, like roadside assistance or total replacement cost coverage.
Choose Your Premium and Deductible
Your premium is the amount of money you’ll pay each month or year for insurance, while your deductible is the amount of money you’ll pay out of pocket toward a covered loss. The higher your deductible, the lower your premium will be. And it works the other way around — the lower your deductible, the higher your premium.
Specialized RV Eligibility
If your RV was custom built or has expensive add-ons, some insurance companies may not cover you. If you are eligible, you will likely need a higher coverage limit, which means paying a higher premium.
Full-Time vs. Part-Time RV Insurance
Not all RV insurance companies sell policies to full-time RVers. If you’re planning to live in your RV for the foreseeable future, make sure to look at RV insurance companies that offer full-time insurance. Keep in mind that full-time RV insurance is more expensive than part-time insurance.
Do You Need Insurance for an RV?
Yes, if you own an RV, you need RV insurance. Private passenger car insurance policies don’t cover RVs, motorhomes, travel trailers, or camper vans. In most states, RV insurance is legally required. When choosing an RV insurance company, consider factors like price, policy options, discounts, customer service reviews, financial strength, and third-party ratings.
How We Selected the Best RV Insurance Companies
We evaluated the companies based on their customer ratings and experiences, financial stability, and coverage. To compare insurance companies across the board, we then calculated a Reviews.com score based on the following:
- Customer ratings: Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this factor using J.D. Power Auto Insurance Satisfaction Index.
- Coverage: As there isn’t one RV insurance policy to fit everyone’s needs, we evaluated companies by the number of coverage options available.
- Confidence: It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. To measure financial strength, we relied on AM Best ratings of each RV insurance company.
- Online resources: For the first time in 21 years, J.D. Power reported in 2020 that interaction with websites and online tools had a bigger impact on customer satisfaction than agents. In our evaluation process, we weighed the availability, functionality and ease of use of each company’s digital services.
Car Insurance FAQs
RV insurance covers you financially if your RV is involved in an accident or other type of unexpected event. Personal car insurance policies don’t cover RVs. Because RVs are larger than a car and typically fitted with a kitchen and bathroom, RV insurance normally comes with higher liability amounts.
Standard RV insurance policies only come with basic coverage, which includes bodily injury and property damage liability coverage. RV insurance in at-fault states may also include personal injury protection (PIP), which is legally required.
Most RV insurance companies offer add-on coverages for more protection. Examples of these add-ons include comprehensive insurance, collision insurance, roadside assistance, vacation liability and replacement cost coverage for personal effects that get damaged or lost in the motorhome.
RV insurance costs vary depending on several factors, including your state’s minimum RV insurance requirements, the age and value of your motorhome, your driving history, your credit score, your age and whether you’re living in the RV full-time.