There are more than nine million American households that own an RV, marking a 16% increase since 2001. For many, an RV is a second home. Protecting it with insurance is crucial to the investment.
If you’ve never purchased RV insurance, it can be difficult to navigate the marketplace. To simplify your insurance-buying experience, we put together a list of the best RV insurance companies.
To create this list, we evaluated each provider based on their coverage options, discounts, financial strength, and ratings. We assigned each company a superlative to help you determine which company is right for your needs and budget.
The 5 Best RV Insurance companies
- Safeco: Best for Customer Service
- Esurance: Best for Price
- Nationwide: Best for Discounts
- Allstate: Best for Retired RV owners
- National General: Best for Customized Coverage
| AM Best | J.D. Power | Full-timer coverage | |
| Safeco | A | 4/5 | ✔ |
| Esurance | A+ | 4/5 | ✔ |
| Nationwide | A+ | 2/5 | ✔ |
| Allstate | A+ | 3/5 | X |
| National General | A- | N/A | ✔ |
*Data as of 04/24/2020.
Safeco – Best for Customer Service
Best for Customer Service
Safeco is a great RV insurance provider for people who value good customer service, which can be rare in the insurance industry. In the 2019 J.D. Power U.S. Auto Insurance Study, the company received a perfect 5-star rating for call center interactions and 4 out of 5 stars for agent interactions.
| Best For | Not For |
|---|---|
| Customer service Coverage options | Fast claims handling |
Esurance: Best for Price
Best for Price
Esurance is known for offering affordable premiums to RV owners across the country. J.D. Power rated Esurance 4 out of 5 stars for price, which is considered ‘better than most.’ It’s a good option if you’re looking to keep costs down.
| Best For | Not For |
|---|---|
| Affordable premiums | Customizable coverage |
Nationwide: Best for Discounts
Best for Discounts
Nationwide offers the best discounts of any RV insurance provider we evaluated. Customers can save money by paying their policy in full, taking an RV safety class, being part of an RV association and much more.
| Best For | Not For |
|---|---|
| Discounts | Customer service Fast claims handling |
Allstate: Best for Retired RVers
Best for Retired RV owners
If you’re retired and travel around in an RV, Allstate might be a good option for you. Allstate is the only provider on our list that offers a special discount for RV owners who are over 55 years old and not actively seeking employment.
| Best For | Not For |
|---|---|
| Retired RVers | Full-time RVers |
National General: Best for Customized Coverage
Best for Customized Coverage
National General offers customizable coverage for RV owners that want more protection above and beyond what their basic policy offers. They offer coverage for additional living expenses, permanent attachments, roadside assistance, no charge for new parts after a collision, and a free RV inspection after a claim.
| Best For | Not For |
|---|---|
| Customizable coverage | Affordable premiums |
How to Find the Right RV Insurance Provider
Before you select an RV insurance provider, there are some things you should consider. You need to know what type of RV you have, how much coverage you need, and how much you can afford or prefer to pay for your premium and deductible.
Decide on Preferred coverage
The amount of coverage you need depends on the class of RV you have, and the value of the belongings inside. The less coverage you have, the more risk you face.
Choose your Premium and Deductible
Your premium is the amount of money you’ll pay each month or year for insurance, and your deductible is the amount of money you’ll pay out-of-pocket towards a covered loss. The higher your deductible, the lower your premium will be.
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 are the smallest class of RVs. If your motorhome has an attached cab or an overhead bunk, it’s probably class C.
Check the eligibility of specialized RVs
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.
RV Insurance FAQ
Why do I need RV insurance?
RV insurance offers protection for the exterior of your RV and your belongings inside. If you got into an accident, or your RV was stolen, insurance would help you pay to repair or replace it.
What does RV Insurance cover?
RV insurance is similar to car insurance. It typically includes collision, comprehensive, uninsured/underinsured motorist, property damage, medical payments, and bodily injury coverage.
What is the best RV insurance?
The best RV insurance company is going to be different for every person. Based on our research, these are the best companies we found:
- Safeco: Best for Customer Service
- Esurance: Best for Price
- Nationwide: Best for Discounts
- Allstate: Best for Retired RV owners
- National General: Best for Customized Coverage
What kinds of additional RV coverage do I need?
If you travel often in your RV, getting roadside assistance coverage is beneficial. You can also get total replacement coverage, campsite and vacation coverage, and storage coverage.
What does RV Insurance typically cost?
The average cost of RV insurance is going to be different for everyone. Premium costs vary by your state, the class of RV you have, the age of your RV, your claims history, your deductible and more.
About the Authors
Elizabeth Rivelli is a Rhode Island-based copywriter and content marketing consultant. She has expertise writing about home, auto and business insurance, and has been published in widely-read publications, including the Simple Dollar, Bankrate and Decision Data. Elizabeth holds a BA in Communications from Northeastern University in Boston.
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