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RV Insurance

Insurance for your RV, travel trailer, or camper.

Start a quote online or call (877) GEICO-RV (434-2678)

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Get an RV insurance quote. Save today. Vacation tomorrow.

Make sure you have the right recreational vehicle (RV) insurance policy for your next trip. GEICO offers affordable RV insurance with great coverage for your needs.

We know you love the RV lifestyle – whether it's an RV, camper, motor home, or travel trailer. That's why GEICO's RV specialists are available to help you get the right RV insurance coverage for you.

Specialty RV protection on the open road.

RVers encounter unique situations on the road. With that in mind, GEICO offers these enhanced coverages in most states*:

  • Motorized RV insurance
  • Towable RV insurance

Learn more about the RV insurance coverages we offer.

Do you need RV insurance?

Most states require RV drivers to carry liability insurance, and the minimum requirements for RV are usually the same as for cars. Make sure you get the right camper insurance by educating yourself on your state's insurance laws and coverage requirements .

Protect your investment with additional coverage for specialty vehicles like RVs and travel trailers. Check out our special coverages to see how GEICO can help.

How much does RV insurance cost?

RV insurance costs depend on factors such as your state's insurance requirements, your driving history, and your needs. The deductibles, liability limits, and RV insurance coverage that you choose may affect the total cost.

The extra protection that comes with higher liability limits may increase the cost of your insurance. On the other hand, a higher deductible may reduce your RV insurance costs.

Unlock potential savings and peace of mind with RV insurance.

Maximize your savings.

  • Defensive Driver Discount
  • Good Student Discount
  • Military Discount
  • Multi-Vehicle Discount
  • Multi-Line Discount
  • Association Discounts
  • Commercial Driver's License Discount
  • Anti-Theft Discount

Pay Your Way

We offer convenient payment methods and plans :

  • Pay online, over the phone, or by mail
  • Choose to pay in full or in installments

Check Your RV Policy Anywhere

Take care of your RV insurance with an online account :

  • Get an ID card
  • View your policy details
  • File or track an RV claim

RV Insurance Coverage With GEICO

Motorized rv and towable rv insurance.

Enhanced recreational vehicle insurance coverages include:

  • Total loss replacement
  • Replacement cost personal effects
  • Vacation liability
  • Emergency expense coverage
  • Special windshield deductible
  • Recreational vehicle medical payments coverage
  • Medical payment coverage for a recreational vehicle

Travel Trailer Insurance

GEICO provides insurance coverage for these towable RVs and travel trailers:

  • Conventional travel trailers
  • Fifth-Wheel travel trailers
  • Folding camper trailers
  • Truck campers

GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .

Need to speak to an RV insurance or motor home insurance agent?

You can reach us at (877) GEICO-RV (434-2678) for sales or service.

  • Sales Mon - Sun 8:00 AM - 11:00 PM (ET)
  • Service 24 hours 7 Days a Week

RV Insurance: Get the answers you need.

  • Do I need RV insurance? Absolutely, RV insurance is a smart move for protecting your home on wheels. Much like a car insurance policy, it provides coverage in case of accidents, theft, or damage. Plus, it often includes liability coverage, which is crucial for your peace of mind while you're out exploring the open road.
  • How much does RV insurance cost? The cost of RV insurance can vary widely depending on several factors. It's influenced by the type of RV you own (motorhome, travel trailer, fifth wheel, etc.), its value, how you use it (full-time or occasional trips), and where you're located. It's a small price to pay for the freedom and protection it provides as you travel in your RV.
  • What RV insurance coverages are available? GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page .
  • How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
  • How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
  • What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
  • Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
  • What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

Colorado Language Preference

Are you a resident of or looking for insurance in the State of Colorado?

We are temporarily unable to provide services in Spanish for Colorado residents. You will now be directed to an English experience.

Estamos encantados de ofrecer nuestra nueva version del sitio web en Español. Apreciamos su paciencia mientras seguimos mejorando su experiencia.

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G&G Independent Insurance

RV Insurance in Little Rock, Arkansas

RV Insurance Little Rock, AR

Arkansas RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer. RVs that are for personal, recreational use can be insured for use up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.

What does RV Insurance cover?

  • Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage varies by state.
  • Stated Value  – market value/actual cash value of the RV
  • Agreed Value  – the insured amount, regardless of the current market value
  • Replacement Cost  – replace your insured RV with a new RV that is most like it
  • Consider  Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
  • Personal Effect Coverage  provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
  • Some policies include  Roadside Assistance , which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.
  • Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.
  • Other additional coverage can include: accident forgiveness, pet coverage, diminishing deductible, and more.

How to save on Arkansas RV Insurance premiums?

  • Discounts can lower your premium. Ask if you qualify for safe driver discounts, original owner discounts, package discounts and more.
  • You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars, and boats.

How to get a quote?

G&G Independent Insurance is locally operated to handle your insurance needs. We offer affordable and reliable insurance choices from multiple insurance companies Let G&G help you select the right coverage for your RV needs and get a great price at the same time.

Just request a quote online and we’ll get back to you with quotes from multiple companies so you can compare and save!

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RV Insurance

From chenal insurance.

RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer. Let Chenal Insurance help you select the right coverage for your RV needs and get a great price at the same time. You can even request a quote online and we'll get back to you with quotes from multiple companies so you can compare and save!

Arkansas Recreational Vehicle Insurance

  • RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
  • Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage varies by state.
  • Stated Value - market value/actual cash value of the RV
  • Agreed Value – the insured amount, regardless of the current market value
  • Replacement Cost – replace your insured RV with a new RV that is most like it
  • Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
  • Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
  • Some policies include Roadside Assistance , which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.
  • Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.
  • Other additional coverage can include: accident forgiveness, pet coverage, diminishing deductible, and more.
  • Discounts can lower your premium. Ask if you qualify for safe driver discounts, original owner discounts, package discounts and more.
  • You can save money if you insure more than one item with a single company , including your home , cars , motorcycles , classic cars , and boats .

Chenal Insurance is locally operated to handle your insurance needs. We offer affordable and reliable insurance choices from multiple insurance companies .

RV Insurance

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Chenal Insurance is an independent insurance agency located in Little Rock, Arkansas.

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Arkansas Trailer Insurance

Find the right trailer insurance policy for you.

More than seven million people visit our site every year looking for unbiased information about insurance and other related topics. And with great readership comes great responsibility, which means we’re dedicated to providing honest and accurate information.


Whether you use a small utility trailer to help your college-bound son or daughter move back home from Little Rock during the summer, or you have a livestock trailer used to transport cattle or other animals to the Sharp County Fair, Arkansas streets and highways are swarming with all sorts of trailers. Unfortunately, many residents don't realize that their vehicle's insurance policy doesn't extend to their trailer until it's too late and the damage is already done.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Before you search for trailer insurance quotes, however, there are several things to keep in mind.

Save on Trailer Insurance

Our independent agents shop around to find you the best coverage.

Trailers Pose an Increased Risk for Accidents

Big or small, trailers can increase the risk of accident in the following ways:

  • Trailer sway: In high winds, or even following a fast-moving vehicle that speeds by, trailers can sway back and forth and even cross lanes, significantly increasing the risk of accident.
  • Malfunctioning light systems: Even if checked before hitting the road, wiring for electrical systems can become loose en-route, disabling turn signals and brake lights. Without a functioning light system, other motorists may not be aware of your intended movements, and the risk of accident increases.
  • Becoming unhitched: A large bump in the road or an unexpected swerve can enable a trailer to become unhitched from your vehicle, going out-of-control down the street.
  • Improperly-stored cargo: Even when using straps and other security devices, it is possible for the items in your trailer to be jarred from their place and go bouncing down the highway. Flying debris and items from trailers pose a significant risk for accidents.

What is Trailer Insurance?

Trailer insurance covers any model and size of trailer that you might use to haul and transport supplies, goods, vehicles, equipment, or animals behind your vehicle. There are many different types of trailers, varying widely in value from several hundred dollars to over $100,000. Trailer insurance covers:

  • horse trailers,
  • motorcycle trailers,
  • ATV trailers,
  • boat trailers,
  • flatbed trailers
  • gooseneck trailers
  • utility trailers, and
  • many other varieties.

Am I Required to Carry Trailer Insurance?

If you use your trailer to transport hazardous materials or goods as part of a business operation, Arkansas state law may require you to carry trailer insurance on it.

Though not required for other uses, trailer insurance is one of those forms of protection that you can never appreciate until you need it following an accident.

You may find that your vehicle's insurance policy can extend to a small utility trailer that you do not use with any frequency, but the coverage in these cases are often limited. It may be a good idea to obtain a separate trailer insurance policy for full protection.

What Does Trailer Insurance Cover in AR?

Trailer insurance operates much like car insurance, and most Arkansas providers will give you the following options to choose from when you build your trailer policy:

  • Liability coverage: Can help pay for damages or injuries that your trailer causes another person.
  • Collision coverage: Can help pay for repairs to your trailer should it be damaged in an accident.
  • Comprehensive coverage: Can help pay for repairs to or replacement of your trailer, should it be damaged or totaled in a fire, severe weather event, or by theft or vandalism.

What Will My Trailer Insurance Quote Look Like?

Due to the fact that trailers come in various sizes and of different values, it is difficult to determine an average trailer quote. Most Arkansas insurance companies take the following into consideration when they calculate your quote:

  • Your location: Areas of Arkansas with high traffic accidents will receive higher quotes than low-traffic crash areas.
  • Your trailer: The larger and more expensive your trailer, the higher the quotes you will receive.
  • How you use it: If you use your trailer to transport livestock, your quotes may be higher than someone who uses an ATV trailer to haul their dirt bike.
  • How often you use it: If your trailer is in use on a daily basis, your quotes will be higher than someone who only uses their trailer once in a while.

While you might be able to add a small utility trailer to your auto insurance for no additional cost, a $90,000 toy hauler might cost you $500 per year to insure.

Where Can I Find Trailer Insurance in AR?

You don't want to run the risk of finding out that your trailer isn't covered by your vehicle's insurance policy. Knowledgeable, independent insurance agents in the Trusted Choice network are always available to answer your questions, suggest coverage options best suited for you trailer, and even assist you in filing a claim. These agents have years of experience working with Arkansas insurance companies, enabling them to find you a number of quotes with only the best coverage options and the most affordable rates. Contact a Trusted Choice member agent near you to find out how you can obtain the perfect trailer insurance policy that meets your needs and budget.

RV insurance for the open road

Members save 5% on coverage for most RVs through our alliance with Progressive.‍ ‍ See note 1

What's RV insurance?

RV insurance is a lot like car insurance. Most states require a minimum amount of liability protection for motorhomes. For campers and travel trailers that you're pulling behind a car, liability extends from the auto policy of the towing vehicle.

If you're financing the RV, some lenders may require you to have comprehensive and collision coverage.

Whether your RV is your primary residence or just for recreational use, you can customize a policy to fit your needs.

Insurance for travel trailers

If you get comprehensive or collision coverage, you also get vacation liability coverage with travel trailer insurance. This helps protect you if your property’s damaged or if someone gets hurt in or around your trailer.

If your trailer is less than one year old, consider adding total loss protection. You can also add personal effects coverage to help protect the stuff you keep inside your travel trailer.

Ways to cover your motorhome

RV insurance may cover damages and injuries if you cause an accident. You may also be able to add coverage to pay medical, hotel, transportation and windshield repair costs.

Plus, get up to $99,000 in coverage for personal property in your motorhome. We cover luxurious Class A models, Class B campervans and Class C mini-motorhomes.

Insuring a pop-up camper

On top of comprehensive, collision and vacation liability coverage, you can also insure personal property inside your camper.

Add total loss replacement to campers less than one year old to replace your pop-up with the same model or later if it’s totaled.

Coverage for slide-on campers

We offer standard coverage options like comprehensive, collision and vacation liability. You can also get total loss replacement coverage and personal property insurance.

Because you load these types of RVs onto the bed of a truck, we also provide roadside assistance for your slide-on camper and the vehicle towing it.

Insurance for fifth-wheel trailers

You can get comprehensive, collision, roadside assistance and vacation liability coverage.

If your fifth wheel is less than six-years old, consider adding Roof Protection Plus®. This helps repair or replace your roof if it malfunctions from wear and tear, or it damages other parts of your fifth-wheel trailer.

Why get a policy through the USAA Insurance Agency?

Our agency has long-standing relationships with many insurance providers. We monitor those alliances to make sure they meet our standards of customer service and financial stability.

We've worked closely with Progressive for more than 30 years. You can get help from specially trained representatives who'll serve you at the level you expect by calling 800-809-1925 .

How much is RV insurance?

You could pay less than $125 a year to insure a pop-up camper. Or choose a higher yearly payment to cover more expensive motorhomes.‍ ‍ See note 2

How to save on your premium

USAA members get a 5% discount on coverage for most RVs.‍ ‍ See note 1 Here are some other ways to lower your cost.‍ ‍ See note 3

Responsible Driver Discount

If none of the drivers on your policy have accidents or tickets for three years, you could save on your policy.

Paid In Full Discount

In some states, you can get a discount when you pay your 12-month premium all at once.

EFT Discount

Save when you set up automatic payments from your bank account, also known as electronic funds transfers, or EFT.

RV insurance FAQ

Comprehensive coverage can help pay for water damage repairs resulting from weather-related incidents.

Recreational coverage can help protect your RV inside and out while on the road or at a campsite. You may want to consider it if you use your RV part time.

Full-timer's offers broader coverage to help protect those who live in their RV most of the year. It includes personal liability, medical payments and storage shed coverage. It also has loss assessment coverage, which can cover RV association fees to help pay for damages to shared areas.

Both options let you add vacation liability protection. This helps cover bodily injury and property damage costs while you're on vacation in your RV.

It may provide liability coverage for travel trailers and campers, as long as your vehicle is towing them.

Your auto insurance usually won't pay to repair or replace your RV.

It depends. If you're renting an RV, your cost and coverage will depend on the rental location and the type of RV.

It usually won't cover:

  • RVs with more than four wheels.
  • Drivers not listed on your policy.
  • Rentals longer than 30 days.
  • The full value of the RV.
  • Certain damage to the RV while it's parked.

Explore new places with RV insurance.

Have more questions.

Use our alliance with Progressive to help you get the coverage that fits your needs.

Call Progressive.

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RV Insurance

Questions about recreational vehicle insurance.

Contact a local FBFS agent!

Protecting Your Adventurous Side

Your RV isn’t your family car – it’s your vehicle for family fun, and it benefits from its own coverage. Luckily, if you have auto insurance with us, you won’t need a separate policy to protect your motor home or RV – you’ll just need to add coverage for your motor home or RV to your existing Farm Bureau Member's Choice policy. Farm Bureau bundles coverage into a single policy. One policy equals one premium, and worry-free coverage.

Coverage Options that Go the Extra Mile

 Accidents happen. If your motor home or RV is damaged in an accident, collision coverage can help cover the costs to repair.


Accidents aren’t the only way your RV could incur damage. If your vehicle is damaged by something other than a collision, this coverage will help cover the repair costs.

Medical and Property Liability

If you cause an accident with one of your recreational vehicles, you can have protection for both bodily injury and property liability.

Uninsured or Underinsured Motorists

Not everyone is as responsible as you. This coverage protects you and your passengers in the event that bodily injury is caused by a driver without adequate auto insurance.

Bikes, Skis, Boats and More 

If your idea of a recreational vehicle goes beyond the typical camper or motorhome, we’ve got you covered. Your Farm Bureau Member’s Choice packaged policy can include insurance coverage for a wide range of all-terrain vehicles, jet skis, boats and more. Your local agent can perform a SuperCheck ® to help you gain confidence that you have coverage for the things that matter most (without breaking the bank).

Superior Claims Service 

If you’re ever in an accident, we want to get you back up and running as quickly as possible. We’re proud of our claims-paying ability and reputation for quick and fair claims service . With a claims satisfaction rate over 90 percent, we prove time and again that we have what it takes to smooth the bumps you’ll encounter on life’s roads.

Ways to Save

We know that every dollar counts, which is why we offer so many ways to save on your insurance. Your Farm Bureau agent can ensure you are receiving all the discounts you qualify for.

Protect all of your toys with one Farm Bureau Members Choice policy – Talk to your local Farm Bureau agent about tailoring your coverage for everything in your garage – an app can’t provide the same level of customization your local agent can offer. Your agent can help you shop for coverage, compare rates, answer policy questions or file a claim – all with one phone call.

It’s your future. Let’s protect it. ®

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travel trailer insurance arkansas

Allstate RV Insurance

Allstate RV insurance offers great coverage options for full-timers and some nice perks that earned the provider 8.9 out of 10.0 stars for its plans.

Key Takeaways:

  • Allstate can cover a wide range of towable RVs and motorhomes including Class A, B and C RVs plus fifth-wheels and travel trailers.
  • Allstate is known for its service through local agents.
  • Overall, we recommend Allstate for full-timers looking for coverage for their RV’s, trailers, or motorhomes.

Allstate RV insurance is just one of the company’s many products. While we at the Guides Auto Team have rated the provider’s  auto insurance  and  boat insurance  options, we wanted to see how Allstate’s camper coverage holds up.

Our team took a close look at the offerings from Allstate that are targeted toward RV owners. We considered how much RVers can expect to pay for Allstate’s coverage and measured the company up to the  best RV insurance  providers on the market.

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Why You Can Trust The MarketWatch Guides Team

The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Learn more about our methodology and editorial guidelines .

Allstate RV Insurance Review

We give Allstate RV insurance 8.9 out of 10.0 stars, enough to earn it a place among our top camper insurance providers. Allstate’s rating was determined through careful research of the company’s reputation, availability, coverage options, average costs and customer service.

Allstate RV Insurance Pros and Cons

Allstate rv insurance ratings.

Below you can compare ratings that made up our total score for Allstate RV insurance:

* Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

What Makes Allstate RV Insurance Stand Out?

Allstate RV insurance comes with a well-rounded set of coverage types and plenty of options to save. Our team especially appreciated the following aspects of the company:

  • Coverage choices : Allstate has coverage options galore, including a few types that other providers don’t offer.
  • Full-timer liability insurance : People who live in their campers full time need a different kind of coverage, which is offered by Allstate.
  • Total loss replacement : Losing an RV to an accident can be financially devastating, especially after depreciation. Allstate gives owners a total loss replacement option if they want more coverage to protect their campers.

Allstate RV Insurance Cost

Allstate doesn’t make any mention of the company’s RV insurance rates on its website. This is partly because the cost of an Allstate RV insurance policy varies greatly for each model type. According to our research, RV insurance costs around $1,500 per year on average, though your camper premiums could be greater or less than that.

What Factors Affect RV Insurance Costs?

The premiums on towables and motorhomes vary greatly because insurers base their rates on several factors about you and your RV model. These elements include:

  • Driving history : You’ll either be driving or towing your RV, so your driving record plays a big part in rates for camper insurance. A clean driving record will likely give you access to the lowest rates.
  • RV value : The more expensive your RV is, the more it will likely cost to protect.
  • Usage : Insurers charge different rates depending on how much time you’ll be spending in your RV. Full-timers can expect to pay significantly more than people who only use their campers to go on vacations.
  • RV experience : It takes a different set of skills to pilot or tow an RV than to drive a standard car model. Insurers tend to adjust rates based on your experience with RVs, not just with driving a car.
  • Location : Different states and even different locations within the same state have varying rates for RV insurance.
  • Credit score : In most states, insurers can use your credit score as a risk factor when determining your premiums. Drivers with poor credit scores often pay far more for insurance than those with good scores.
  • Coverage level : Your types of coverage and how much you select also factor into your premiums. Policies that only meet your state’s minimum requirements typically cost the least, though they’ll also provide little protection.

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Allstate RV Insurance Discounts

Allstate’s website lists several ways that drivers can save on RV coverage. The RV insurer mentions these savings opportunities and their details:

  • Homeowner discount : If you own a home or have a full-time RV insurance policy
  • Married discount : Add your spouse to your policy
  • Pay in full discount : Pay your full premium upfront rather than across multiple monthly payments
  • RV safety course discount : Complete an approved RV safety course
  • Paperless discount : Opt to receive only digital correspondence for your Allstate RV insurance plan

Allstate RV Insurance Coverage

If you have a motorized RV, you’ll at least need to carry state minimum required auto coverage. Those with towable RVs aren’t usually required by law to have separate insurance from their personal vehicles, though coverage for your camper will be limited. In either case, you’ll likely want more than the minimum amount of insurance that’s legally mandated.

Like with auto policies, you can build a policy to suit your needs after you meet minimum coverage standards. Allstate offers policies that are nearly identical to car coverage as well as specialty coverage options meant just for RVs.

Standard RV Insurance Coverage Types

The standard RV coverage options you’ll find at Allstate are the same as those you’ll find from nearly any insurer. Here’s what RV insurance covers:

  • Bodily injury liability : Medical expenses, lost wages and other injury-related costs for others in an accident that you’re found at fault for
  • Property damage liability : Damage to other vehicles and property related to an accident for which you are found at fault
  • Collision coverage : Issues with your RV and personal property regardless of who caused the accident
  • Comprehensive insurance : Damages to your camper from causes other than accidents such as severe weather, vandalism and theft
  • Uninsured motorist/underinsured motorist : Both damages to your RV and your medical expenses if an at-fault driver lacks adequate insurance coverage
  • Personal injury protection (PIP) : Medical costs and lost wages for your party, regardless of who caused an accident
  • Medical payments coverage (MedPay) : Medical costs but not lost wages for your part resulting from an accident, regardless of who is at fault

Allstate RV Coverage Add-Ons

When it comes to coverage add-ons, Allstate RV insurance has a healthy selection to choose from. These are the company’s additional coverage options, and what they cover:

  • Towing and labor : The cost of on-site labor and towing needs if your camper breaks down
  • Personal effects coverage : Personal belongings in your RV when it’s destroyed due to a collision or comprehensive loss
  • Vacation liability : Most damages and injuries that are caused by your RV while you’re on vacation
  • Emergency expenses : Food, accommodation and travel expenses if your RV breaks down more than 50 miles away from home
  • Full-timer’s liability : Similar to a home insurance policy, this covers injuries and damages to others caused by your camper if you live in it for more than six months out of the year
  • Total loss replacement : After a total loss, your old RV will be replaced with one of the same year and value as your original one

Allstate may offer more coverage options than these depending on your location and RV type. Check which exact add-ons are available to you by asking a local insurance agent. Finally, be aware that the towing and labor add-on isn’t full roadside assistance. So, it may not include lock-out services or spare tire installation.

Allstate RV Insurance Standard Benefits

While you can purchase some additional coverages, Allstate includes a few for free. Allstate RV insurance policies come standard with the perks below:

  • Pet coverage : Takes care of your pet’s medical bills if it’s injured in an accident
  • Tow bar coverage : Pays to replace your tow bar after a covered loss

RV Types Covered by Allstate

There aren’t any restrictions listed on the webpage for Allstate RV insurance. The provider instead mentions that its RV coverage types can take care of both towables and motorhomes.

What Is a Towable RV?

Towable RVs can’t move on their own and instead require a towing vehicle to move from one place to the next. Towable RV models include the following:

  • Travel trailers
  • Toy haulers
  • Pop-up campers
  • Fifth-wheel RVs
  • Teardrop trailers

What Is an RV Motorhome?

RV motorhomes are sometimes referred to as “self-propelled RVs” and are typically built on top of a large vehicle chassis. This category of RVs includes:

  • Class A RVs
  • Class B RVs
  • Class C RVs

It’s possible that Allstate RV insurance could have exclusions for different states or localities. Make sure to ask your local Allstate insurance agency about your camper’s specifics if you’re unsure about its eligibility for coverage.

Allstate Customer Reviews

There aren’t many customer reviews online specifically for Allstate RV insurance. However, the way a company handles its customers in one part of the business can give you insight into how it treats them in another part. Our team noticed a few patterns in our research of Allstate insurance reviews.

In positive Allstate reviews, customers reported helpful and thorough support from agents. When people reported a negative experience with Allstate, they tended to mention communication frustrations during the company’s claims process.

Do You Need RV Insurance?

You absolutely need RV insurance for a motorhome. In most places, the minimum motorhome insurance requirements are identical to minimum car insurance standards. In most cases, however, you aren’t legally required to carry insurance for a towable camper.

There are some situations when you may need RV insurance for any model. Certain campsites require vacation or full-timer liability insurance for overnight stays. Your lender may also require you to have certain coverage if you borrowed money to buy your RV.

Possible Sources of RV Damage

Regardless of which type of RV you own, having insurance is almost certainly a good idea. Even the least expensive campers often cost several thousand dollars, and they usually contain valuable personal belongings.

Accidents are just one of the ways that your trailer or motorhome can be damaged. Here are some common sources of damage to or in an RV:

  • Theft : It’s unlikely that your RV will be stolen, but it does happen from time to time. Comprehensive coverage is often the best way to keep your camper secure.
  • Weather : Severe weather events such as tornadoes, ice storms, hurricanes and floods can do major damage to an RV.
  • Leaky roof or windows : Vibration from travel along the road may cause some roof and window seals to shake loose eventually. This can lead to leaks that can damage the interior of your camper.
  • Tree branches : Falling limbs and trees are a constant danger for RVs, especially when people camp out in forests.
  • Fire : Camper fires are one of the more common sources of damage to RVs and pose risks to property at adjacent campsites.

RV Traffic Accident Statistics

If you plan on exploring with your RV, you’ll spend time in it out on the open road. Whenever you’re on the highway, you’re at risk of an accident, whether driving a small sedan or towing a fifth-wheeler.

When you consider that any camper — whether towable or motorized — adds an element of difficulty to navigating traffic, the risk of a traffic accident is something every RV owner should consider. Even the most experienced drivers are subject to the mistakes and bad habits of others on the road.

RV Fire Statistics

Fire departments across the U.S. saw an average of 4,200 RV fires per year from 2018 to 2020, according to data from the Federal Emergency Management Agency (FEMA) . These RV fires resulted in an average of 15 deaths and 125 injuries each year.

Fires in campers caused an average of $15,350 in property damage with each fire. That means that RV fires accounted for over $60 million in property damage annually during that time period.

A comprehensive RV policy will cover fixes to your RV in the event of a fire. However, it likely won’t cover fire damages to property around it and coverage won’t pay for other people’s medical expenses.

Allstate RV Insurance: Conclusion

Overall, Allstate RV insurance is a strong option for those hoping to protect their campers. The company has a useful selection of specialty options, including liability coverage for full-time RVers. In addition, tow bar coverage and pet protection are great included perks.

When you do request a quote for Allstate RV insurance, you’ll be directed to the National General website. Allstate is National General’s parent company and it provides RV coverage through its subsidiary. However, this coverage is still underwritten by Allstate. 

Allstate RV Insurance: Recommended Alternatives

Even if Allstate RV coverage seems like the best option for you, it’s always worth getting quotes from a few other providers. Comparison shopping is the best way to get cheap RV insurance . Most major insurers offer an option to get free RV insurance quotes online, and we recommend considering the ones below.

Progressive: Editor’s Choice

In our study of the best RV insurance companies, Progressive earned the highest score and received our Editor’s Choice award. That’s because the company offers a compelling combination of coverage options and discounts, meaning that most RVers can get the coverage they’re looking for at reasonable rates.

Keep reading: Progressive RV insurance

Geico: Good Customer Service

Most customers know what to expect with Geico: quality coverage, reasonable rates and strong customer service. When it comes to RV insurance from Geico, there are rarely any surprises. Geico offers a serviceable selection of coverage add-ons like a windshield deductible as well as a few discounts, such as for taking defensive driving courses.

Keep reading: Geico RV insurance

Allstate RV Insurance: FAQ

Below are some frequently asked questions about Allstate RV insurance:

What does RV insurance typically cost?

Our research shows that RV insurance usually costs around $1,500 per year, but your actual cost could be very different. Premiums depend on factors such as the value of your RV, your driving record and the provider that you choose.

What kind of insurance do you need on an RV?

If you have a motorized RV, you’ll need to either meet or exceed your state’s minimum coverage requirements for automobiles. You generally are not legally required to purchase insurance for a towable RV.

Does Allstate cover water damage for RVs?

A comprehensive RV insurance policy from Allstate will cover water damage in most cases. These policies cover your camper from most non-intentional, non-accident sources.

What is comprehensive coverage on RVs?

Comprehensive coverage on an RV is nearly the same as on an automobile. A comprehensive policy covers your RV from damages not caused by accidents, such as fires and instances of theft or vandalism.

How We Rated Allstate RV Insurance

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best RV insurance companies. We collected data on dozens of camper insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, and the insurers that scored the most points top our list.

Here are the factors our ratings take into account:

  • Reputation : Our research team considered market share, ratings from industry experts and years in business when giving this score.
  • Availability : Recreational vehicle insurance companies with greater state-by-state availability and few eligibility requirements scored highest in this category.
  • Coverage : RVers can benefit from a wide variety of specialized coverage options. We evaluated companies based on the amount and diversity of coverage add-ons they offer for camper insurance.
  • Cost : As RV insurance costs are highly variable, our research team mainly considered the availability of policy discounts.
  • Customer Experience : Our research team took into account companies’ industry reputations with organizations such as the Better Business Bureau (BBB) as well as the ease and availability of in-person, over-the-phone and online services.

*Data accurate at time of publication.

If you have questions about this page, please reach out to our editors at [email protected] .

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7 Best RV Insurance Companies of 2024

Money’s main takeaways.

  • RV insurance is essential for both full-time RV living and occasional trips.
  • Premiums are based on factors like your driving record and RV type, age and condition.
  • Our top picks include Good Sam, National General and Auto-Owners Insurance.

Why Trust Us?

Money’s editorial team has evaluated RV insurance providers since 2016. Our research and analysis take into account customer satisfaction, financial stability, coverage options and availability, among others. Read the full methodology to learn more.

  • Reviewed 15+ companies
  • Conducted over 1,000 hours of research
  • Prioritized coverage, discounts, customer sentiment, the NAIC complaint index and financial stability

Our Top Picks for the Best RV Insurance Companies

  • Good Sam – Best RV Insurance Agency
  • – Runner-Up for Best RV Insurance Agency
  • Nationwide – Best for Multiple Discounts
  • National General – Best for Full Replacement Cost Coverage
  • Progressive – Best for Disappearing Deductibles
  • Roamly – Best for Renting Out Your RV
  • Auto-Owners Insurance – Best for Customer Service

Best RV Insurance Reviews

  • Offers full-timer coverage
  • Manage your policy online without agent contact
  • Discounts on campsites, gear stores, fuel, and more
  • Not a direct insurer

Why we chose this company: Good Sam Insurance Agency is the best option for those who need help selecting coverage. It connects you with some of the best RV insurance companies to help you get the right coverage level for your needs.

Good Sam works with renowned insurance providers like Progressive, Foremost, Safeco, and National General to offer a range of standard coverage options. Additionally, through its partnership with, the agency connects clients to Mexico-based insurers and offers tailored add-ons for cross-border travel, whether for single-day or extended stays.

The company also extends a storage discount, allowing policyholders to suspend collision and liability coverage when their RV or trailer remains unused for over 30 days, reducing monthly premiums. Furthermore, Good Sam assists in crafting personalized policies for full-time RVers.

Learn more: Good Sam RV insurance review

See rates on Good Sam’s Secure Website >>

Why we chose this company: can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

  • Specialists can help you find a policy
  • Policies available for all types of RVs works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

You can get a quote online, but calling to speak with an insurance specialist lets you compare policies in more detail.

See rates on’s Secure Website >>

  • Free annual reviews to reevaluate coverage and discounts
  • Optional towing coverage includes lodging, transportation and meals
  • Various policies available for easy bundling and savings
  • Many customer complaints about the claims process

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts, but Nationwide’s list is notably extensive. You can save by bundling your RV policy with home insurance, taking safety courses, joining an RV organization like the National RV Association, paying your annual policy upfront or opting for Nationwide’s full-time RV insurance package.

Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process. For example, according to a customer service representative, the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Learn more: Nationwide RV insurance review

See rates on Nationwide’s Secure Website >>

  • Coverage for specialized equipment like solar panels
  • Pause your coverage when your RV is in storage
  • Experts help you find a new RV after a total loss
  • Low mileage discount
  • Eligibility, benefits, coverage and discounts vary per state
  • Limited information about policies on its website

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV’s first model year. National General, on the other hand, lets you get the rider within an RV’s first five model years.

With full replacement cost coverage — also called total loss replacement — your RV is replaced with a new or similar one if it’s totaled or stolen, potentially reimbursing you for the original purchase price. This is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. If you buy a used RV or don’t insure your new one as soon as possible, you risk it being considered ineligible.

With National General, RVs are eligible during their first five model years, regardless of ownership (some companies limit this type of coverage to original owners). It also offers the flexibility to pause coverage during storage, helping you save on premiums while protecting against theft, fires, weather damage, and more.

Learn more: National General RV insurance review

See rates on National General’s Secure Website >>

  • Accident forgiveness for claims under $500
  • Horse trailer coverage up to $50k
  • Pet injury coverage available
  • Add-on coverage available for roof malfunction
  • Standard plan excludes personal property and emergency expenses
  • Rates differ based on whether you buy online or through an agent
  • Discounts aren't available in all states

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV’s original owner or pay your policy in advance, among other discounts. However, Progressive stands out from competitors because it offers both disappearing deductibles and accident forgiveness.

Unlike competitors, Progressive doesn’t cap its diminishing deductible benefit at $500. Instead, it reduces your deductible by 25% each claim-free period, up to $0 after four periods. While it costs extra, the feature is included with comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for claims of $500 or less is included at no cost.

See rates on Progressive’s Secure Website >>

  • Specializes in RV insurance
  • Coverage even when renting out your RV
  • Policies for full-time RVers are available
  • Covers Canada rentals
  • Only offers RV policies

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance due to their higher risk exposure when compared to personal vehicles. Failing to insure your motorhome or camper when renting it out can lead to denied claims, especially if the renter lacks coverage.

With Roamly, your RV remains covered when listed on rental platforms like Outdoorsy (owned by Roamly). Renters booking your RV through Outdoorsy can opt for a renters protection package, including trip protection, interior damage and travel medical insurance. Roamly’s policies cover rented RVs for their actual cash value during the rental period and provide $1 million in liability insurance protection per trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

  • Premium reduction if RV is equipped with safety features
  • Towing and roadside assistance in all 50 states and Canada
  • Mobile app for Apple and Android
  • No online quotes

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record, with fewer complaints with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average in the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies that can better advise you regarding specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners’s Secure Website >>

Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.

  • Covers motorhomes, travel trailers and campers
  • Includes roadside assistance, hotel discounts and more
  • Coverage for lodging and transportation if your RV is damaged
  • Coverage options are not standard across regions
  • RV policy not available nationwide
  • Limited information available online

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because it doesn’t offer coverage in all 50 states.

See rates on AAA’s Secure Website >>

  • Discount if you transfer from another insurance company
  • Discounts for drivers 55 years or older
  • Gas price locator to help you find the cheapest gas
  • Limited information on company website
  • Online quotes not available

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate’s Secure Website >>

  • Total windshield replacement deductible is only $50
  • Personal effects replacement limits up to $100,000
  • Free accident forgiveness after 5+ years
  • Offers limited information on its website
  • Enhanced RV coverage unavailable in HI, MA, MI and NC
  • Total loss replacement coverage availability varies

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren’t available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico’s Secure Website >>

  • Loan or lease protection coverage available
  • Deductibles diminish by $100 per year up to $500
  • Insures motorhomes valued at up to $1 million
  • Coverage available for custom equipment
  • Only covers vehicles used 250 days or less per year
  • Limited information available on website
  • No online quotes available

Safeco covers class A, B and C motorhomes valued at up to $1 million, but only if used recreationally. It didn’t make our list because its website doesn’t offer much information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco’s Secure Website >>

  • Coverage for emergency expenses if camper is damaged or destroyed
  • Pays for transportation of damaged RV to storage, repair shop or home
  • Full-timer coverage for trailers, motor homes, luxury coaches and more
  • Special policies for USAA members
  • Not available in DC or Hawaii
  • Limited information on website

Foremost, a subsidiary of Farmers Insurance, has policies for full-timers as well as stationary travel trailers. It also covers personal-use motor homes that you occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

See rates on Foremost’s Secure Website >>

  • Offers storage-only insurance during the off-season
  • Policy extends to travel anywhere in Canada
  • Insures equipment permanently attached to your RV
  • No information regarding discounts

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information regarding specific coverages and discounts on its website . This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

  • Multi-vehicle, safe driver and original ownership discounts
  • Coverage for all RV classes, including slide-on campers
  • Members get a 5% discount on policies
  • Policies only available to military families
  • 5% members discount not available in all states

USAA offers RV insurance through an alliance with Progressive, which covers almost all types of RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA’s Secure Website >>

Country Financial

  • Multi-policy discount
  • Mobile app for Apple and Android devices
  • Only available through agents
  • Operates in only 19 states

Country Financial’s RV insurance policies fall under home or auto insurance. That can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial’s Secure Website >>

National Interstate

  • Options for RV full-timers
  • 25% deductible discount for each consecutive claim-free year
  • Windshield replacement coverage
  • Coverage for commercial RVs
  • Website lacks information about terms and discounts

National Interstate has policy options for RV full-timers and covers commercial RVs. This insurer is not featured on our main list because its website doesn’t provide details regarding policies or discounts.

See rates on National Interstate’s Secure Website >>

The Hartford

  • Lifetime guarantee for repairs done in authorized repair shops
  • 24/7 claims submission
  • RV replacement if it's totaled in the first 15 months
  • Only available to AARP members
  • Not available in U.S. territories

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford’s Secure Website >>

RV Insurance Guide

Like auto insurance, RV insurance offers financial protection for accidents, injuries and other unforeseen events. It can cover repair costs, medical bills and liability expenses if you injure someone or damage their property.

While comprehensive policies covering collision, theft and personal belongings are widely available, occasional RV users may not need such extensive coverage. Read on for information on RV insurance costs, coverage options and tips for selecting the right policy for your needs.

Table of contents

How much is rv insurance, types of rvs, what type of insurance does an rv need.

  • What does RV insurance not cover?
  • How to buy RV insurance

Renting out your RV

According to Progressive, an RV insurance policy for a travel trailer (an RV you tow behind your vehicle) costs an average of $573 annually. In contrast, coverage for a motorhome costs an average of $958 per year.

The following factors influence the cost of an RV insurance policy:

  • The type of RV: Motorhomes are more expensive to insure than trailers (especially those with state-of-the-art components).
  • Age and condition: Older trailers and motorhomes cost less to insure due to their reduced resale value.
  • Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive one with collision and personal property coverage.
  • Where you live: Your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.
  • Driving experience and driving record: A first-time RV owner poses a higher risk than an experienced RVer. Insurers will also review your general driving record to determine an appropriate rate.
  • Claims history: A lengthy claims history is a red flag to insurers. Drivers who have never filed a claim will get much better rates than those who have.
  • Additional coverage: Purchasing add-ons such as roadside assistance, total loss replacement, vacation liability and full-timers coverage will increase your premium.

Recreational vehicles fall into four categories: Class A, Class B, Class C and towable RVs. The first three are motorhomes, drivable units with living quarters and appliances. Towable RVs, also called campers or trailers, may also have amenities, but some are designed to transport animals or cargo.

Here’s the rundown of the different types of RVs available:

Class A motorhomes

Class A motorhomes are the most luxurious and spacious, measuring 24 to 45 feet long and fitting as many as 12 passengers. However, their size can make driving tricky and limit their mileage to around 10 miles per gallon or less.

Class B motorhomes

Class B motorhomes, also known as “camper vans,” are the smallest (17 to 19 feet long) and least expensive type. These are standard-sized vans usually packed with a compact kitchen, bathroom and foldable or fixed bed. Their limited living space makes them suitable for four passengers or less who enjoy minimalist traveling.

Class B+ or B Plus motorhomes

Class B+ or B Plus motorhomes are the big siblings of Class B camper vans. These vehicles measure between 17 and 30 feet, fitting bigger beds and more spacious bathroom and kitchen areas.

Class C motorhomes

Class C motorhomes measure 21 to 41 feet long and are easily recognized by their over-cab sleeping or storage area. Compared to larger units, they have better gas mileage and maneuverability and are ideal for full-time living. Class C motorhomes can accommodate up to eight passengers and include a kitchen, dining area, bathroom and sleeping quarters.

Towable RVs

Towable RVs can be hitched to SUVs, pickup trucks or any capable vehicle. This category encompasses fifth wheels, toy haulers, travel trailers, and pop-up and truck campers, typically ranging from 10 to 30 feet. Other types of towable RVs include utility, cargo and horse trailers.

Since RVs can be vehicles and primary residences, insuring them requires special considerations. Some policies offer basic liability protection, while others provide broader coverage for personal effects and emergency expenses.

Keep in mind that if your RV is self-propelled, your coverage should meet your state’s minimum liability insurance requirements. This applies whether you use the vehicle occasionally or as a residence.

If your RV is towable, the insurance policy on the towing vehicle may extend to the RV. However, note that the towing vehicle’s policy usually only covers liability, not physical damage to the RV or attached accessories.

Best RV insurance features for part-time RVers

People who use their motorhomes for weekend getaways should at least have basic liability coverage that meets their state’s minimum requirements.

Other types of RV insurance for part-time RVers include:

  • Property damage liability coverage: Pays for damages you cause to another person’s property or vehicle.
  • Bodily injury liability coverage: Helps pay the medical expenses of those you injure in an at-fault accident.
  • Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.
  • Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.
  • Uninsured/Underinsured motorist coverage: Covers the cost of repairs to your RV and your medical payments if you’re in an accident caused by a driver without insurance or insufficient coverage.
  • Personal Injury Protection (PIP): Covers medical expenses for you and your passenger in the event of an accident, no matter who is at fault. It may also cover lost wages.
  • Campsite/vacation liability coverage: Helps pay for legal expenses if you’re deemed responsible for injuries or losses incurred by a non-family member within your campsite or RV.
  • Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best RV insurance features for full-time RVers

For added peace of mind, full-time RVers should consider having a more comprehensive policy that includes some of the above-mentioned add-ons as well as any of the following:

  • Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects. This includes clothing, furniture, jewelry and computers, for example.
  • Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is stolen or totaled in an accident. The insurer may reimburse you for the original purchase price in other cases. Lenders may require this coverage if you finance your RV.
  • Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.
  • Emergency expense allowance: Covers up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.
  • Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.
  • Loss assessment: Helps cover fees RV associations charge for damage to common areas in a campsite, for example.

What RV insurance doesn’t cover

RV insurance won’t cover the following:

  • Normal wear and tear: RV insurance protects your vehicle against unexpected events, not routine maintenance or deterioration.
  • Mold damage, fungi or rot: Insurers consider mold a sign of neglect and won’t cover damages unless it’s directly linked to water damage caused by a covered event.
  • Certain types of water damage: RV insurance doesn’t cover water damage caused by regular wear and tear, freezing temperatures or manufacturer defects.
  • Earthquake coverage: RV insurance covers most natural disasters, including floods, storms and fires, but earthquake coverage varies by insurer.

How to Buy RV Insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

Determine the coverage you need

Your car insurance policy may extend to towable campers or trailers, but not motorhomes. And while auto insurance may cover you against liability and damages to the RV, it generally doesn’t cover belongings or appliances inside the vehicle. Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.

Another option is umbrella insurance for your RV, which covers liability claims exceeding your primary auto, home or RV policy limits. However, coverage only kicks in if your RV is covered by an underlying policy that meets the umbrella policy’s liability requirements.

Take time to shop around for insurance quotes

RV insurance costs depend on your driving history, location, type of vehicle and usage and any optional riders you select. To get the most affordable premium for the coverage you need, compare quotes from multiple insurers. Consult an independent insurance agent if you don’t have time to shop around.

Consider bundling multiple policies

Most insurers offer multi-policy discounts, helping you save on premiums by combining your RV policy with auto, home, renters, boat or even life insurance policies . Bundling can also help you avoid the hassle of dealing with different companies when you have to file a claim.

Check for available discounts

While these may vary by company, most insurers offer rate discounts for:

  • Paying the total annual policy upfront
  • Making monthly payments on time
  • Staying claim-free during the previous policy period
  • Being the vehicle’s original owner
  • Installing safety features in your RV
  • Having a favorable record of insurance losses
  • Staying accident-free for at least three years
  • Taking safety courses
  • Being a member of an RV association

Drivers aged 50 and up can snag a lower rate, as can parents or guardians who opt not to insure drivers under 25 on their policy.

Insurance when renting an RV

If you plan on renting an RV for a vacation, consider getting RV rental insurance. This type of policy usually provides liability, collision damage waiver, and coverage for personal accidents or personal effects.

You can purchase a policy through the rental company or your insurer. However, remember that your current car or RV insurance policy may already extend some rental RV coverage. Coverage may not be available in some states or for trips longer than 30 days, so call your insurer to verify before heading out.

If you rent your RV to others, it’s considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on your policy.

Note that some states — including Arkansas and Wisconsin — require drivers to get special licenses to drive RVs. If you live in one of these states and lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

What kind of insurance do I need to rent out my RV?

To rent out an RV, you’ll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident. Except New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have liability coverage.

Insurance for towable RVs is another matter. When you tow your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not additional liability insurance.

RV Insurance FAQs

What states require trailer insurance.

Trailer insurance requirements vary by state and by type of trailer. Most local governments require liability insurance, while others also require uninsured motorist coverage.

Currently, only two states don't require any type of trailer insurance. You can drive an uninsured vehicle in Virginia if you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.

Do you need trailer insurance?

You don't need insurance for a non-motorized trailer hooked to a towing vehicle. The vehicle's insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability.

Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase a separate RV insurance to ensure the trailer is insured against damage.

Who has the best RV insurance?

Does rv insurance cover water damage, what is vacation liability rv insurance, how we chose the best rv insurance.

  • Coverage options and discounts: We picked companies that offer a comprehensive selection of coverage options and premium discounts.
  • Customer satisfaction: We favored companies with above-average scores in J.D. Power’s U.S. Auto Insurance Study.
  • Financial strength: We considered the financial strength of each insurer as evidenced by their A.M. Best rating. A.M Best is a credit rating agency that assesses the creditworthiness of insurance companies.
  • Complaint index: We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of 2024

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .


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Welcome to Campbell Insurance Agency, Inc.

Campbell Insurance Agency, Inc. specializes in Outdoor Insurance. We work hard to provide the most comprehensive insurance products available in the industry in all fifty states! We are leaders in our industry in placing insurance for Lodges, Resorts, Outfitting Service, Guide Service, RV Park, Campgrounds, and Clay, Hunting, Rod and Gun Clubs. We also have many more coverages for a variety of markets. With access to many top rated companies with many different markets, we are confident that we have the right Outdoor Insurance Product for you at an affordable price. So contact us today at 870-741-5423 or Email us. You can also obtain a Free No-Obligation Quote by visiting our quick quote center.

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Campgrounds & RV Park Insurance

Owners and operators of rv parks and campgrounds need the right coverage to protect their business and guests..

Insurance requirements for owners and operators of RV parks and campgrounds vary by state. If you or your client is covered through an insurance company that doesn’t specialize in campground insurance or RV park insurance, they might be exposed to unwanted risk. Business owners might also be paying too much and not getting the specialized coverage available in today’s market.

As one of the nation’s leading outdoor insurance specialists, OIG’s experts have been in the campground insurance and RV park insurance business for years. We understand RV park and campground owners’ needs and speak their language, no matter what their specialty. We can help you or your client find the right campground insurance and RV park insurance, including:

  • General liability
  • Trailer spotting
  • Property including buildings
  • Property enhancement, premiere property protector
  • Excess liability

Facility Coverage

We can also provide coverage for a variety of facilities, including:

  • Recreational services
  • Fishing Boating and canoeing
  • Miniature golf
  • Horseshoe pits
  • Playgrounds
  • Swimming pools
  • Organized activities for guests
  • Showers and restrooms
  • Laundry facilities
  • LP gas sales
  • General store
  • Restaurant and/or bar

Additional Coverage

Additional coverages available include:

  • Gasoline sales
  • Special event coverage

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Premiere Property Protector Extension

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Business Income $100K Included

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The Trusted Source for Outdoor Recreation Insurance

Contact us for your outdoor insurance needs. You will be treated the way you treat your clients or guests — with enthusiasm, respect and a desire to see them succeed.

Campground Insurance That Meets Your Needs

You work hard to help your guests enjoy the great outdoors so choose a partner who works just as hard to get you the insurance coverage you need. At SafePark USA, we get to know your campground and RV park so we can tailor your coverage and terms, help you reduce risk, and keep your guests safe. Get campground and RV park insurance that’s specifically customized to address the unique needs of your business so you and your guests are free to have s’more fun!

Get Coverage from a Campground Insurance Company

Why settle for typical insurance when you don’t run a typical business? You’re in the business of fun, so you need unique insurance solutions. SafePark USA is a national amusement insurance provider specializing in risk management solutions to the amusement industry. That means when you work with us, you’ll get a team of risk management advisors who are attuned to the specific needs of campgrounds and RV parks. What’s more, our team takes the time to understand what makes YOUR campground special and that attention to detail sets us apart from other providers.

On-Site Safety Consultation:

We personally visit your location to conduct a safety consultation to assess your needs and secure optimal terms and conditions.

Loss Prevention:

We carefully pinpoint possible hazards and offer solutions to avoid mishaps, keeping your visitors safe and safeguarding you against potential damages.  

SafePark USA Campground and RV Park Insurance Package

Campgrounds and RV parks are special places where families can enjoy the exhilaration and serenity of the outdoors. We’re your partner in making sure that they adventure safely while covering you against potential damages and liability. Our insurance coverage is specifically designed for campgrounds and RV parks and includes:

You can buy insurance from many companies. I choose to work with SafePark USA because of the people. They make me feel like I am their only customer.

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What We Insure

SafeParkUSA and HAWK Advisers, Inc. also conducts business as SafeParkUSA Insurance Services in the state of California, HAWK Advisers, Inc. in the state of Michigan, and HAWK Advisers, Inc. in the state of New York.

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