The Best RV Insurance

The best RV insurance is affordable, comprehensive, and flexible according to your needs. Because your RV functions as both a home and a car, insurance policies resemble a combination of home and auto insurance — and consequently, they tend to be somewhat more complex and expensive. Policy price will vary depending on your location, class of RV, age and condition of the vehicle, frequency of use, and more. We dig into the pros and cons of seven stellar providers below, although we recommend getting quotes from multiple companies to see which offers you the best price.

Guide to RV insurance

How to choose an RV insurance provider

Decide on preferred coverage

Basic coverage — which is required by law — offers you protection for personal injuries and damages to the vehicle, but it won’t cover extras like your belongings inside. If you live in your RV full-time, it might also be a good idea to invest in additional protection that covers your housing expenses or RV replacement costs. Before shopping around, draw up a list of necessary coverage options and make sure they’re offered by your prospective provider.

Choose your premium and deductible

Before selecting your plan, decide on your payment structure. You can choose low deductibles, in which case your monthly premiums will be higher. If you choose high deductibles, your monthly premiums will be lower, but you’ll also pay more out-of-pocket if there’s an accident.

Know your RV’s class

The scope and price of your policy will differ depending on what kind of RV you own. In general, there are three overall “classes” of RVs universally covered by RV insurance providers:

  • Class A: Luxury drivable motorhomes, like the Jayco Allante, Newell Coach, and American Coach Eagle. They’re the most expensive to insure due to their large size and generous amenities.
  • Class B: Also known as camper vans, these RVs are smaller and have fewer amenities, though they’re large enough accomodate two to four people. Examples include the Roadtrek E-Trek, Phoenix Cruiser 2350, and Coach House Platinum II. Class B models are typically the cheapest to insure.
  • Class C: These models are notable for the protruding sleeping compartment over the driver’s cab and can normally accommodate over four people. Examples include the Coachmen Freelander, Jayco Redhawk, and the Nexus Phantom. Class C RVs are usually cheaper to insure than Class A but more expensive than Class B RVs.

Check the eligibility of specialized RVs

If you have a towable RV, it’s likely covered by your car’s auto insurance. However, if your towable is eligible for RV insurance and you want more protection against thefts or accidents, you can add on more extensive coverage. In addition, if you plan on living in your RV for most of the year, you’ll want to invest in full-time RV insurance.

RV insurance FAQs

Why do I need RV insurance?

RV insurance isn’t the same thing as auto insurance, though many providers give you the option to bundle the two. But RVs have specialized concerns: To start, they can carry many more people than cars, and they cost more to repair. In addition to basic coverage, RV insurance can also offer more extensive protection, with coverage for personal belongings, emergency expenses for lodging, and higher damage rates.

What does RV insurance cover?

You can expect every provider to offer at minimum the following types of basic coverage:

  • Liability: Pays for the other person if an accident was your fault
  • Personal Injury Protection (PIP): Covers medical treatment of you and your passengers, regardless of who is at fault in an accident. Only available in states with “no-fault” laws
  • Collision: Covers physical damage to RV from collisions
  • Uninsured/Underinsured Motorist (UM/UIM): Covers you if the other person in the accident hits you and doesn’t have insurance
  • Comprehensive: Covers damages resulting from causes other than collisions (glass breakage, animals, theft/vandalism, fire, etc.)

What kinds of additional RV insurance coverage do I need?

On top of basic coverage, every provider offers a range of optional add-ons to cater to your specific RV usage habits and concerns. A few of the most common optional add-ons you can expect to find are:

  • Full-Timer: Combines auto and home insurance for people who live in their RVs full-time. Tends to be significantly pricier, since it’s a combination of homeowner and auto insurance.
  • Full Replacement: Will compensate you if your RV is wrecked or stolen. May offer you the depreciated value of your RV or the original purchase price
  • Emergency Allowance: Covers immediate needs like food, shelter, and transportation with an emergency allowance if you reside in your RV full-time and it breaks down
  • Storage: Covers your RV when it’s in storage
  • Personal Belongings: Commonly covers personal belongings up to $5,000 total
  • Vacation Liability: Offers more generous coverage for injuries and vehicle damage at vacation site
  • Attached Items: Insures satellite dishes, retractable canopies, wheelchair lifts, and any large built-in items that aren’t covered under personal belongings insurance

The best RV insurance: Summed up

Leader in Financial Strength
State Farm
Good Customer Support
Good Discounts
Flexible Coverage for Full-Timers
Inclusive Coverage for Accessorized RVs
Good Mobile Functionality
Coverage Outside the US