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RV Insurance Explained: What You Need to Know to Protect Your Investment

RVs, or recreational vehicles, offer a unique way to travel and explore the open road.

These homes on wheels provide comfort, convenience, and the freedom to go wherever you desire.

However, just like any valuable investment, it’s crucial to protect your RV.

That’s where RV insurance comes into play.

In this comprehensive guide, we’ll explain everything you need to know about RV insurance and how it safeguards your investment.

What is RV Insurance?

RV insurance is a specialized type of coverage designed specifically for recreational vehicles.

It offers protection against a range of risks such as accidents, theft, damage, and liability.

This insurance provides financial assistance to repair or replace your RV, cover medical expenses in case of injuries, and compensate others for property damage or injuries caused by your RV.

Why Do You Need RV Insurance?

RV insurance is not only a smart financial move, but it’s also a legal requirement in most states.

Just like with auto insurance, having RV insurance is mandatory to legally operate your RV on public roads.

Even if it’s not a legal requirement in your state, it’s still highly recommended to have RV insurance to protect your investment from unforeseen events.

Types of RV Insurance

There are different types of RV insurance policies available, and the type you choose depends on several factors, including the type of RV you own, its usage, and your individual needs.

Here are the main types of RV insurance policies:

Liability Insurance

This type of insurance is typically mandatory and covers injuries or property damage caused by your RV to others.

Collision Insurance

Collision insurance covers damages to your RV resulting from collisions with other vehicles or objects.

Comprehensive Insurance

Comprehensive insurance offers coverage for damages to your RV caused by non-collision incidents, such as fire, vandalism, theft, or natural disasters.

Uninsured/Underinsured Motorist Insurance

This coverage protects you if you’re involved in an accident with a driver who has insufficient or no insurance.

Full-Time RV Insurance

If you live in your RV full-time, you’ll need specialized full-time RV insurance that provides coverage for personal belongings, liability, and additional living expenses.

Factors Affecting RV Insurance Premiums

When determining the cost of your RV insurance premium, several factors come into play.

Understanding these factors can help you make informed decisions and potentially save money.

Here are some key factors that influence RV insurance premiums:

RV Type

The type, class, and size of your RV can impact your insurance premium. Class A motorhomes generally have higher premiums compared to smaller trailers or campers.


How you use your RV also affects the insurance premium. Full-time RVers, who use their RV as their primary residence, may have higher premiums than part-time recreational users.

Driving Record

Your driving history plays a role in determining your insurance premium. A clean driving record with no accidents or traffic violations generally results in lower premiums.


The area where you store or primarily use your RV can impact the premium. Areas with higher crime rates or extreme weather conditions may lead to higher premiums.

Coverage Limits

The coverage limits you choose, including liability and property damage limits, can affect your premium. Higher coverage limits typically lead to higher premiums.

RV Insurance Providers

Here is a list of some of the best RV insurance providers in the United States:


Progressive is a well-known insurance company that offers comprehensive coverage options for RV owners. They provide specialized RV insurance policies with customizable coverage and competitive rates.

Good Sam

Good Sam is a reputable provider that specializes in RV insurance. They offer coverage for all types of RVs, including motorhomes, trailers, and campers. Good Sam’s policies include features such as total loss replacement, emergency expenses, and full-timer liability.


Geico, known for its auto insurance, also offers RV insurance coverage. They provide customizable policies with features such as vacation liability coverage, full-timer coverage, and roadside assistance. Geico’s RV insurance is available for a wide range of recreational vehicles.


Allstate is a trusted insurance provider that offers RV coverage for motorhomes, travel trailers, and campers. Their policies include features such as roadside assistance, collision coverage, and total loss replacement. Allstate also offers bundling options for additional savings.


Safeco provides RV insurance tailored to meet the needs of RV owners. They offer coverage for a variety of RV types, including motorhomes, fifth wheels, and pop-up trailers. Safeco’s policies include options for full-timer coverage, personal effects coverage, and emergency expense coverage.

Wayfarer RV Insurance

Wayfarer RV Insurance specializes in RV coverage and offers a range of policies to protect your investment. They provide options for liability coverage, collision coverage, and coverage for personal belongings. Wayfarer RV Insurance offers flexible coverage limits and deductible options.


USAA is a popular insurance provider that offers RV coverage for military members and their families. They provide specialized policies with options for full-timer coverage, roadside assistance, and vacation liability coverage. USAA also offers discounts for bundling multiple insurance policies.

When choosing an RV insurance provider, it’s important to compare quotes, coverage options, and customer reviews to find the best fit for your needs.

Each insurance provider may offer different features and benefits, so consider your specific requirements and budget when making a decision.


Here are some frequently asked questions about RV insurance:

Do I need separate insurance for my RV?

Yes, RVs require separate insurance coverage. Regular auto insurance policies usually don’t provide adequate coverage for the unique risks associated with RVs.

Can I use my auto insurance to cover my RV?

Auto insurance policies generally don’t cover RVs, especially if you use your RV for recreational purposes or as a living space.

Is RV insurance expensive?

The cost of RV insurance can vary depending on several factors, but it’s generally affordable. Comparing quotes from different insurance providers can help you find the best rates.

What does RV insurance cover?

RV insurance typically covers collision, comprehensive, liability, and medical payments. Additional coverage options may include roadside assistance, personal belongings, and vacation liability.

Can I suspend my RV insurance when I’m not using it?

Some insurance companies offer the option to suspend coverage temporarily when your RV is not in use. However, it’s important to check with your specific insurance provider regarding their policies.

Can I get insurance for my vintage or custom-built RV?

Yes, insurance companies offer coverage for vintage or custom-built RVs. You may need to provide additional documentation and appraisal to determine the value of your RV.


RV insurance is a vital aspect of owning an RV and protecting your investment.

It offers financial protection against accidents, damages, theft, and liability.

By understanding the types of RV insurance, factors influencing premiums, and frequently asked questions, you can make informed decisions when choosing the right insurance policy for your needs.

Remember, RV insurance provides peace of mind, allowing you to enjoy your adventures on the road without worrying about unforeseen circumstances.