Reviews Report
- USAA and American Family offer the best RV insurance, both earning a 4.8 out of 5 Reviews.com score.
- The best RV insurance companies include coverage options that insure personal belongings and customized RV features.
- For retired RVers, the best RV insurance company is The Hartford.
Owning an RV means experiencing life on the road or vacation trips across the country. However, like standard cars, RVs still need insurance. RV insurance and car insurance are two different things, and if you own both, you will need two separate policies to be adequately covered.
To find the best RV insurance companies, we looked at coverage options as well as discounts, financial stability, and customer satisfaction rankings to rate and compare RV insurance companies and help drivers find the best RV insurance rates.
The 6 Best RV Insurance Companies
- USAA: Best RV Insurance for Military Families
- American Family: Best RV Insurance for Digital Policy Management
- Progressive: Best RV Insurance for Full-Time RVers
- National General: Best RV Insurance for Coverage Options
- The Hartford: Best RV Insurance for Retired RVers
- Good Sam: Best RV Insurance for Membership Benefits
Compare the Best RV Insurance Companies
| Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. | J.D. Power Customer Satisfaction* J.D. Power scores are based on surveys for customer satisfaction and product quality. | AM Best Rating AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | ||
|---|---|---|---|---|
| Pin USAA | 4.8 | 884 | A++ | |
| Pin American Family | 4.8 | 839 | A | |
| Pin Progressive | 4.4 | 830 | A+ | |
| Pin National General | 4 | 803 | A+ | |
| Pin The Hartford | 4.2 | 834 | A+ | |
| Pin Good Sam | 3.5 | N/A | N/A |
Information accurate as of July 2021
*J.D. Power 2021 Auto Insurance Satisfaction Study average rating across all regions. Based on a 1,000-point scale.
Best for Military Families
Why we chose it
Why we chose it
Pros
- Strong financial stability rating
- High customer satisfaction scores
- Online claim filing available
Cons
- Only available to military and veteran families
- Limited coverage options
- Few branch locations
Add-on Coverage
- Full-time liability
- Total loss replacement
- Emergency expenses
- Personal property coverage
Available Discounts
- Responsible driver
- Claims-free
- On-time payments
- Paperless account management
- Original ownership
- Multi-policy
- Safety features
More USAA Insurance Reviews
Best for Digital Policy Management
Why we chose it
Why we chose it
Pros
- Standard policy includes pet coverage
- Diminishing deductible
- Standard $1K of customization coverage
Cons
- Only available in 17 states
- Limited discounts
- No online quotes
Add-on Coverage
- Emergency Roadside service
- Personal property
- Pet
- Customization
- Vacation expense
Discounts
- Defensive driver
- Safety equipment
- Multi-policy
- Smart payments
More American Family Insurance Reviews
Best for Full-Time RVers
Why we chose it
Why we chose it
Pros
- Good financial strength
- More discounts than competitors
- Accident forgiveness
- Disappearing deductible
Cons
- Below-average insurance shopping satisfaction
- Below-average overall customer satisfaction
- Not all discounts available nationwide
Add-on Coverage
- Roadside assistance
- Total loss replacement
- Replacement cost/personal effects
- Vacation liability
- Full timer’s liability
- Loss assessment
- Emergency expense coverage
- Pet injury
- Roof protection
- Pest damage
Discounts
- Multi-policy
- Original owner
- Responsible driver
- Advanced quote
- Pay in full
- On-time payment
- Claim-free renewal
- Homeowner
- Continuous insurance
- Paperless
More Progressive Insurance Reviews
Best for Coverage Options
Why we chose it
Why we chose it
Pros
- High-value discounts
- Good add-on coverage options
- Claims service satisfaction guarantee
Cons
- No mobile app available
- Below-average customer satisfaction rating
- History of poor consumer complaints
Add-on Coverage
- Specialized equipment
- Full replacement cost
- Search assistance
- New parts
- Mechanical breakdown
- Theft reward
Discounts
- Multi-policy
- Safe storage
- Motorcycle multi-policy
- Paid in full
- Paperless statements
- Low mileage
More National General Insurance Reviews
Best for Retired RVers
Why we chose it
Why we chose it
Pros
- Repair referral available
- Disappearing deductible coverage
- Accident forgiveness
Cons
- Only for RVers 50 and over
- Not many coverage options
- Few discounts
Add-on Coverage
- Lifetime repairs
- New RV replacement with no depreciation
Discounts
- Multi-policy
- AARP membership
- Driver safety course
More The Hartford Insurance Reviews
Best for Membership Benefits
Why we chose it
Why we chose it
Pros
- Company focus is RVs
- Good Sam membership club includes discounts and other benefits
- Online quote tool
Cons
- Doesn’t write its own policies
- Not many customization options
- Lower-tech website than competitors
Add-on Coverage
- Replacement cost
- Full-time RVer
- Emergency expense
- Personal effects
Discounts
- Multi-policy
- Paid-in-full
- Multi-vehicle
- Storage option
- Safety and anti-theft devices
- Safe driver
- Low mileage
*J.D. Power 2021 Auto Insurance Satisfaction Study average rating across all regions. Based on a 1,000-point scale.
What Is RV Insurance?
Just as auto insurance is legally required in most states in the U.S., recreational vehicle (RV) insurance is also required for RV owners to legally operate a vehicle. RV insurance costs tend to be a bit higher than car insurance costs, primarily because of the total worth of the vehicle. However, there are a number of insurers who offer it, and it is possible to find low-cost RV insurance by comparing quotes from multiple providers or leveraging discounts.
Finding the best RV insurance is similar in many ways to finding the best car insurance. It will require comparing quotes for your coverage requirements, which may include collision and comprehensive coverage, as well as uninsured motorist coverage, and taking into account customer service ratings and policy management options.
RV insurance may also include Personal injury protection (PIP) or medical payments coverage, depending on whether or not your state requires it, or based on your own level of personal preference. Vacation liability, which is optional, offers protection if an accident happens when the RV is being used as a residence. People who live in their RV full time may also need more comprehensive supplemental coverage such as water damage coverage, for example, if there are plumbing issues in the RV’s kitchen.
What Does RV Insurance Cover?
Although an RV is a cross between a vehicle and a house, RV insurance looks more like auto insurance than homeowner insurance. Your RV insurance coverage will need to include all the required insurance for the state in which the vehicle is registered. This will include liability coverage, and possibly more — such as PIP or uninsured motorist coverage.
A licensed insurance agent can go over optional coverages and help you customize your policy to suit your situation. If your RV is separate from your towing vehicle, you may need two separate policies for each vehicle.
Some policies offer a reduced coverage option for when the RV is garaged. For example, if you travel only during the summer months, you may be able to save significantly by switching to lower-cost garaged coverage during the winter.
If you live full-time in your RV, you may need coverage that looks a little more like homeowners insurance. The best RV insurance companies will likely have coverage that provides protection for the home systems in your RV, such as water and electrical systems.
Other optional coverages available from your insurer may include coverage for attached accessories such as awnings or satellite dishes, and campsite coverage. You may also want to investigate additional coverage if you routinely travel outside the U.S.
What RV insurance doesn’t cover
A basic RV insurance policy — with no add-ons, or endorsements — will not always cover things like roadside assistance or safety glass replacement. It may not offer replacement cost coverage, which pays out on claims without considering depreciation. It also typically will not provide vacation liability, which is protection for the premises when the RV is being used as a residence. All of these, however, are usually available as optional add-ons to your policy.
Your RV policy may not cover alterations and customizations you’ve made on your RV, and you will also need to talk to an agent if your RV formerly was used for another purpose — for example, if you bought a used school bus and renovated it to be used as a mobile residence.
How to File an RV Insurance Claim
- To start an RV insurance claim, you will typically first need to take pictures of any and all damage related to the collision or event. If a police report is filed, obtain a copy, and save any other paperwork related to the event to provide to your insurer if necessary.
- Contact your RV insurance company as soon as possible with all relevant information. The more information you can supply, the easier it will be for the insurer to process the claim and reimburse you for repairs and replacements. With some insurance companies, this process can be done on an app, but if not, claims are commonly handled over the phone, or online through the insurer’s website.
- Next, a claims representative will be assigned to your case and will serve as your point of contact during the claims process. A damage inspection may be scheduled or an appointment at a recommended repair shop will be made.
- Once the claim is approved, the insurance company will either pay the repair shop directly or write a check to you in order to pay the bill. If personal belongings were damaged in the incident, a check or direct deposit into your bank account may be provided, up to policy limits, to replace the items.
RV Insurance FAQ
Methodology
We evaluated RV insurance companies based on discounts, coverage, online resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:
- Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2021 Auto Insurance Satisfaction Study to compare the average rating of insurers across all regions.
- Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection.
- Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.
About the Authors
Mary Van Keuren has been covering auto and home insurance for Reviews.com for nearly five years, and has published numerous reviews of state-specific insurance trends and how to find the best insurance deals for your money. She earned B.S. and M.A. degrees from Nazareth College in Rochester, N.Y. and has been writing professionally, both in print and online, for 30+ years.
