foremost travel trailer insurance

Foremost RV Insurance Review: How Good Is It?

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Selecting the right insurance policy for your RV is very important as it gives you the peace of mind you need to enjoy your time on the open road. Today, we’ll be looking at and reviewing a popular choice; Foremost  RV insurance.

We’re pretty familiar with the ins and outs of what a good RV insurance policy includes here at RV Pioneers, so read on to find out all you need to know about Foremost and whether they are the right insurance company for you.

In this feature, we’ll be looking at the details of what you can expect from them and their main policy features, their pros and cons, some frequently asked questions, and even some alternative insurers that we think you should be considering.

But first, let’s have a look at the key features you can expect from Foremost RV insurance.

Key Features of Foremost Insurance

Core features of foremost rv insurance.

Foremost was the very first company to sell an insurance policy for an RV anywhere in the United States. This was back when the company was first founded in 1952, only with 70 years of experience, you’d expect them to know a thing or two about insuring RVs.

It’s also useful for prospective customers to know how the company is structured. Foremost is a subsidiary of industry giant Farmers Insurance , owned by one of the largest insurance groups in the world, Zurich. This suggests an excellent financial bedrock and paints a pretty good picture for the company when coupled with their years of experience.

Here, we’ll explore the core features of their RV insurance policy. It’s important to remember that the price of a policy will vary greatly depending on your own personal circumstances and insurance history, but having an idea of ​​what is on offer will help make up your mind.

Coverage & Insurance Benefits

The most crucial aspect of any insurance policy is what is covered. Some companies will hide exclusions in the small print of contracts, so you must be crystal clear on what you are covered for and what you can expect to pay yourself. Below is a complete list of what Foremost offer in their basic insurance packages across all vehicles:

• Personal injury liability
• Property damage liability
• Collision coverage
• Comprehensive cover
• Bodily injury liability
• Medical expenses

There is also the option to add uninsured/underinsured motorist protection to guard against accidents in which a claim cannot be made against the offender.

While these areas of coverage are offered to all basic Foremost insurance policies, some areas are specific to RVs:

• Total loss replacement
• Full-timer cover
• Belongings & personal effects
• Emergency expense allowance

You may also be wondering if there are any limits on which RVs are covered. Well, its undoubtedly true that different vehicles qualify for varying levels of insurance based on size and payload, but here is the complete list of RVs and trailers that can be insured under Foremost:

• Conventional Trailer
• Fifth Wheel Trailer
• Pop-up Tent Trailer
• Mounted Truck Camper
• Toy Hauler & Horse Trailer
• Cargo / Utility & Single Horse Trailer

Customer Service

Foremost has been around for many years now, and in some ways, they remain a traditional insurance company. They do not offer 24/7 assistance to their customers in the same way that most current insurers do.

Similarly, their website is not their primary area of ​​focus as they chose to rely on a vast network of agents and brokers to sell their premiums and help customers.

While this system may appeal to those who are used to buying from and dealing with insurance companies in this way, it has lead to several issues regarding Foremost’s customer service reputation.

Their Better Business Bureau (BBB) ​​rating was a lowly F until recently. While this has improved to a respectable but by no means perfect A-, their customer feedback score is 1.41 / 5. They also remain unaccredited with the BBB and have no presence on customer rating sites like TrustPilot.

Pros Foremost RV Insurance

Foremost are one of the most widely used and widely trusted RV insurance companies in the country. Here are the key pros that you need to consider if you’re thinking of buying a policy with them.

As we’ve already mentioned, Foremost was the first company to offer an insurance policy specifically tailored to RVs. That was way back in the 1950s, and they’ve been trading ever since.

This means they’re highly experienced and have dealt with nearly every kind of RV insurance claim you can think of. You can think of them as a safe pair of hands.

Strong Financial Backing

Foremost are owned by Farmers, one of the largest insurance companies in the US. Farmers are in turn owned by Zurich, one of the largest insurance companies in the world.

This kind of financial backing gives confidence that Foremost is not about to go bankrupt and void your insurance any time soon.

Good Range of Vehicle Covered

Foremost’s insurance policies cover the vast majority of RV vehicles and trailers. Classes A, B, & C are included, along with a list of trailers that can be found above.

This means you can tailor your policy based on the vehicles and accessories that you own or intend to drive, leaving you free to do so rather than worry about whether or not you’re covered.

Suitable for Those With Poor Credit or Claims History

Foremost has a reputation for offering those with a poor credit history, or extensive claims records an insurance policy. This is not limited to their RV departments either, Foremost also offers car and home insurance.

This is great if you happen to fall into one of these categories, as finding insurance can often be tricky. With Foremost, you have the option to get multiple policies in one place.

Cons of Formost RV Insurance

There are also some negatives associated with taking out an insurance policy with Foremost. Here are the key ones to consider.

Lack of Modernization

Foremost are a traditional business that still relies on a network of agents to facilitate customer service. While this may be a positive if you are used to dealing with your insurance company this way, it is a negative for the majority.

There is no 24/7 chat support so everything from getting a quote to filing a claim has to be done through one of their representatives. Great if you like the personal touch, not so good if you value a quick process.

Patchy Customer Service Record

The fact that Foremost is not registered with the BBB may be a red flag for some. This could be down to the company’s limited online presence, but it could also be down to their poor customer feedback score and multiple complaints.

The overall score is a lousy 1.42 / 5 with 613 complaints over the last 3 years. While it is not uncommon for insurance companies to receive more negative reviews than good ones, these figures are worrying.

If you value the ratings given by other customers, then other RV insurance companies score much higher.

Lack of International Coverage

Currently, Foremost only offers policies for RVs that cover the United States and Canada. If you’re looking to go a little further afield, down to Mexico, for example, you’ll need to look elsewhere.

Are There Any Alternatives?

In this section, we’ll take a closer look at some of the companies that rival Foremost in the RV insurance market.

Progressive RV Insurance

Progressive is ranked as one of the best RV insurance providers for 2021. This comes as no surprise as their modern take on RV insurance means getting a quote and taking out a policy is quick, easy, and can be done online.

They offer a multitude of coverage options in their basic package and allow RVers to pick and chose the additional extras needed. As well as these extras, they provide discounts based on your usage and vehicle history. For example, if you’re the original owner of your RV, you’ll qualify for a bargain, regardless of its age!

In terms of their customer service record, they have a similar rating to Foremost on the BBB. They are not accredited, have an overall rating of A- with a 1.1 / 5 customer review rating.

Overall, Progressive represents an excellent alternative to Foremost when it comes to RV insurance. If you like the ability to sign up and manage your account online, this could be a good option.

Make sure you read our full review of Progressive RV Insurance .

National General RV Insurance

National General is another insurance provider that has specialist policies for RVers. Much like Foremost, they offer coverage for personal belongings, full replacement cost, permanent attachments, complete general liability, and storage savings.

However, according to various reports and customer feedback scores, National General tends to offer slightly lower premiums (although this does depend on individual circumstances). There are a few ways that drivers can reduce the costs of insurance with National General, some of these include; multi-vehicle discounts paid in full discounts, storage savings, and safe driver reductions. Although many of these features are commonplace amongst insurers, we recommend checking National General out if you fall into any of these qualifying categories.

Another positive thing about NG is that they are BBB accredited. This accreditation shows confidence in its service to customers and is backed up by an A + rating. Whilst their customer feedback score is still only 2.4 / 5, this is significantly better than many.

Safeco RV Insurance

Our final alternative insurance provider for you to consider is Safeco. Safeco is a large insurance company that offers policies across a wide range of areas, but their RV coverage has proved to be particularly popular.

Their basic policy includes cover for both personal property and audio-visual / custom equipment. This is something that is often an oversight missed by policies, so good to see included here. In terms of the vehicle itself, you’ll be covered just as comprehensively as the others we have mentioned here, with the bonus of 24/7 support and roadside assistance .

Alongside these standard policy features, there are a host of optional add-ons. These include loan or lease protection, so if that applies to you, then adding this to your policy is a great option.

Their BBB rating is a promising A +, although they are not accredited. Despite this good overall rating, however, they only score 1.12 / 5 for customer satisfaction, with 358 complaints in the last 12 months.

Frequently Asked Questions About Foremost RV Insurance

Here, we’ll answer some of the most frequently asked questions about taking out RV insurance with Foremost.

Question: Why Should You Choose Foremost?

Answer: Foremost are experienced insurance providers with solid financial backing. This means that while they may not always offer the best value, they certainly offer security. They are also a fantastic option for anyone with a poor credit history or a history of multiple insurance claims.

Question: How Much Does a Policy With Foremost Cost?

Answer: Unfortunately, we cannot answer that as an insurance premium is tailored to your specific requirements and RV history. The final cost will depend on factors like how long you have owned the vehicle, where you live, and whether you have any driving convictions. For full details and an accurate quote, you’ll need to contact one of Foremost’s thousands of agents nationwide.

Question: Where is Foremost Insurance Available?

Answer: Foremost provide RV insurance across the whole of the USA. That’s all 50 states covered and free to travel in. However, do bear in mind that not all coverage types are sold everywhere – check with your Foremost agent for the specifics on what is available where you live.

Question: How Do You Get a Quote From Foremost RV Insurance?

Answer: To get a quote from Foremost, the best thing you can do is visit their website and contact them. You’ll then need to speak with an agent in your area who will be able to take the information necessary to give you an accurate quote.

Final Thoughts – Is Foremost RV Insurance a Good Option?

If you’re after a solid insurance policy that is backed by a company at absolutely no risk of not being able to pay out, then Foremost is a solid option for RVer across the country.

However, there are downsides that you may need to deal with. For example, their customer service record is below average at best, with several users reporting finding it difficult to have issues and claims dealt with quickly.

Many of the issues that customers face when dealing with insurance companies are not exclusive to Foremost, but it’s worth thinking about the problems that others have encountered.

We would recommend taking your time and shopping around when it comes to insuring your RV. Many companies out there have better customer service records and may even be able to beat them on price.

It all comes down to what your priorities are when it comes to insurance. Do you prefer experience and reliability? Or good customer service and cheaper rates?

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The following companies are our partners in RV Insurance:  National General ,  Good Sam ,  RVInsurance.com , and  Roamly .

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EDITOR'S PICK

Specialty RV Coverage - Save up to $530 Per Year

• 96% overall customer satisfaction rating
• Total-loss replacement for motorhomes and travel trailers
• Specialized coverage for full timers or first-time weekend RV'ers
• RV storage option allows you to save even more by turning off coverage when your RV is not in use!
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• Foremost Review

Foremost RV Insurance Reviews

The following companies are our partners in RV Insurance: National General , Good Sam , RVInsurance.com , and Roamly .

We sometimes offer premium or additional placements on our website and in our marketing materials to our advertising partners. Partners may influence their position on our website, including the order in which they appear on a Top 10 list.

The analyses and opinions on our site are our own and our editors and staff writers are instructed to maintain editorial integrity. Our brand, ConsumersAdvocate.org, stands for accuracy and helpful information. We know we can only be successful if we take your trust in us seriously!

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How is Foremost rated?

Overall rating: 3.3 / 5 (very good), coverage & benefits, coverage & benefits - 3.5 / 5, basic coverage, rv specific coverage.

• Total Loss Replacement
• Belongings & Personal Effects
• Emergency Expense Allowance

RV's Covered

• Conventional Trailer
• Fifth Wheel Trailer
• Pop-up Tent Trailer
• Mounted Truck Camper
• Toy Hauler & Horse Trailer
• Cargo/Utility & Single Horse Trailer

Other Policies Offered

Foremost rv insurance cost & discounts, cost - 3 / 5, customer support, customer support - 3 / 5, contact & additional information.

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Foremost RV Insurance Review

When you own an RV, you want a high-quality insurance company to have your back during accidents. Fortunately, Foremost RV Insurance is a popular choice among RV enthusiasts and has a strong industry reputation. You can also pair your auto and home insurance with your RV insurance through this company to get a better deal.

If you don’t have a clean driving record, you should look into Foremost RV Insurance for affordable coverage. There are plenty of coverage options and benefits you can consider that can lower your monthly insurance payments.

Please continue reading to learn everything you need about Foremost RV Insurance. In addition, our expert review will discuss why this company stands out, its different coverage options, and its customer service.

Why Foremost RV Insurance Stands Out

This company is recognizable in the RV industry because it’s the first company in the United States to offer RV insurance. Since it’s the first company to offer this type of insurance, it works hard to maintain its name among RV enthusiasts. So, if you’re interested in choosing an insurance company with the most experience, look no further than Foremost RV Insurance.

Foremost RV Insurance Reviews

Most of the reviews for this insurance company are related to their home insurance. This company offers home insurance coverage for properties that have difficulty receiving coverage. For example, people may purchase home insurance from this company if they live in an area prone to natural disasters or own an older property.

Even though we’re discussing RV insurance in this review, it’s also important to look at the home insurance reviews. Across the board, reviews for this company are above average. They rank excellent in financial strength, good in claim satisfaction, and have an average 3-point rating in coverage and benefits, customer service, and affordability.

Foremost RV Insurance Coverage and Benefit

This insurance company offers RV-specific coverage and liability and property coverage. The following are the coverages you can get based on your chosen plan.

Basic Coverage:

• Property Damage Liability
• Comprehensive Coverage
• Bodily Injury Liability
• Personal Injury
• Underinsured/uninsured Motorist
• Medical Payments

RV Specific Coverage:

• Personal and Belongings Effects
• Total Loss Replacement
• Emergency Expense Allowance

RVs That Qualify For Foremost RV Insurance

The following are the types of RVs that are eligible for Foremost RV insurance coverage. You’ll need to find a different RV insurance company if your RV doesn’t qualify.

● A-Class motorhome ● B-Class motorhome ● C-Class motorhome ● Pop-up tent trailer ● Conventional trailer ● Horse and toy hauler trailer ● Fifth-Wheel trailer ● Mounted truck camper ● Single horse and utility/cargo trailer

Foremost RV Insurance Costs and Discounts

The discounts available and discounts rate vary from state to state. For example, if you live in Michigan, you may receive different discount options than someone who lives in California. To find out the discount rates you can receive, you’ll need to contact an insurance agent For more information. Unfortunately, this information is not readily available on their website.

However, based on the information available on their website, some RVers are eligible for a significant discount on their RV insurance premium. They will determine your deductible and premium based on your driving history, age, and other relevant insurance information.

Foremost Customer Service

Unfortunately, this insurance company doesn’t offer 24/7 customer service, which can be inconvenient depending on the time you get into an accident. This is customers’ most common complaint when they review this insurance company’s customer service.

This insurance company also extends its work to brokers and agents through a vast network. Unfortunately, this situation can make it difficult for people to get ahold of a customer service representative when they have an issue.

If your primary focus is customer service when it relates to an insurance company, you may want to choose a different option. Overall, this insurance company has one of the worst customer service teams compared to its competitors. The Better Business Bureau gives this insurance company an F rating in customer service.

Pros and Cons of Using Foremost RV Insurance

Now that you understand Foremost Insurance Company, it’s time to weigh the pros and cons of their RV insurance. Comparing pros and cons when talking about RV insurance is the best way to ensure you choose an excellent insurance provider.

Pros Of This Insurance

The main benefit to know about this insurance company is that if the longest-running RV insurer in the United States. No other insurance company can compare longevity with Foremost RV Insurance. Another massive benefit of this company is that they offer coverage for almost any type of trailer and RV on the market.

Since The financing company that owns Foremost RV Insurance has been around for so long, you don’t need to worry about them going bankrupt anytime soon. You can also purchase full coverage RV insurance from this company despite your insurance history.

Cons Of This Insurance

The worst part of this insurance company is its customer service. They do not offer 24/7 customer service and have a terrible reputation with the Better Business Bureau. This insurance company also has a limited online presence, so it can be difficult for potential buyers to do their research.

You’ll need to choose a different insurance company if you want to drive outside the US and Canada in your RV. This insurance company does not offer any coverage in Mexico, which could limit your travel options.

Final Thoughts

Foremost Insurance Company is a fantastic option for people looking for an RV insurance company that’s been around for a long time. The main benefit of choosing this insurance company is that you can rest assured it won’t go bankrupt anytime soon. There are also plenty of coverage options when choosing this insurer, and you don’t have to limit the type of RVs you’re interested in.

The main drawback of this insurance company is its poor customer service. Before you sign a contract with this insurance company, you’ll want to weigh the pros and cons to determine if it’s right for you. If customer service isn’t a big deal for you, then this could be a great insurance option for your RV coverage. It would be best to do thorough research on insurance companies before deciding.

Anthony DeCaro is a writer who specializes in RVing and wants to see the automotive industry produce more fun-to-drive RVs that are eco-friendly, affordable, and widely available to the public.

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7 Best RV Insurance Companies of August 2024

Money’s main takeaways.

• RV insurance is essential for both full-time RV living and occasional trips.
• Premiums are based on factors such as your driving record and your RV’s 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 consider customer satisfaction, financial stability, coverage options, and availability, among other factors. 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

Note: The following companies are listed in alphabetical order.

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

Best RV Insurance Reviews

• 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 and fewer complaints with the National Association of Insurance Commissioners (NAIC) than most of its competitors. It also ranked above average in the Southeast region in the J.D. Power 2022 Auto Insurance Customer Satisfaction Study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. This means that instead of contacting the company online, you work directly with local agencies that can better advise you regarding the 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 >>

• 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 people 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 MexicoInsuranceOnline.com, 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 offers a storage discount, allowing policyholders to reduce monthly premiums by suspending collision and liability coverage if their RV or trailer remains unused for over 30 days. 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 >>

• 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 coverage 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 >>

• 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, a customer service representative told us 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 >>

• 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 automatically included when you purchase 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 you list it on rental platforms like Outdoorsy (owned by Roamly). Renters who book your RV can opt for a package that includes travel medical insurance as well as trip and interior damage coverage. Roamly’s policies cover rented RVs for their actual cash value during the rental period and provide $1 million in liability insurance per trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

• Specialists can help you find a policy
• Policies available for all types of RVs

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

RVInsurance.com 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 RVInsurance.com’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, sells full-timer and travel trailer coverage. It also covers personal-use motor homes you occasionally rent, lease or loan. 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 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 car insurance, which 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 offers policy options for RV full-timers and covers commercial RVs. However, 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, rv insurance options.

• How to buy RV insurance

Renting out your RV

The cost of RV insurance can be as high as $5,000 per year, according to some sources) depending on the type of vehicle you own, its age, condition and features, and whether you live in it full-time.

Factors that affect your RV insurance premium

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.

Common RV insurance discounts

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

• Bundling multiple policies
• 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
• Signing up for paperless billing

Drivers aged 50 and up may also snag a lower rate, as can parents or guardians who don’t insure drivers under 25 on their policy.

Since RVs can be both vehicles and primary residences, getting them insured requires specific considerations. Policies can range from basic liability protection to comprehensive coverage of personal effects or even emergency expenses.

If your RV is self-propelled, it must meet your state’s minimum liability insurance requirements, whether you use it occasionally or as a residence. The insurance policy on the towing vehicle for a towable RV may extend to cover liability but typically doesn’t include physical damage to the RV or attached accessories.

Best coverage 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.

Additional 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 at a campsite or inside your 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 coverage for full-time RVers

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

• Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects such as clothing, furniture, jewelry, and computers.
• Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is stolen or totaled in an accident. In other cases, the insurer may reimburse you for the original purchase price. 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 view mold as a sign of neglect and will not cover damages unless they are 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 damage: 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.

1. Determine the coverage you need

Whether you use your RV for full-time living or occasional trips will determine the coverage options you need, whether liability only or additional coverage options such as collision, comprehensive or personal effects.

Remember that your auto insurance policy may cover towable campers or trailers but not motorhomes. And while it covers liability and damages to the RV, it generally excludes belongings or appliances inside. Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.

2. Shop around for RV insurance quotes

RV insurance costs depend on your driving history, location, type of vehicle and usage, and the 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.

3. Look for discounts and 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. Other discounts vary by insurer but could also result in significant savings.

4. Consider RV rental insurance

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.

However, when you rent out your vehicle on platforms such as RVshare, Go RV Rentals and RV Plus, these companies have their own insurance policies that cover the RV while it’s being rented out. If you go this route, make sure you evaluate each company carefully, looking into commission fees, support, renter screening, and overall protection measures. Remember to do some market research as well, to make sure you write a great listing and set competitive rates.

Bear in mind 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 separate RV insurance to ensure it's 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 latest U.S. Auto Insurance Study and considered customer feedback from review sites such as the Better Business Bureau (BBB).
• Financial strength: We considered each insurer’s financial stability, as evidenced by its AM Best financial strength rating (FSR). AM Best is a credit rating agency that assesses insurance companies’ creditworthiness.
• 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 August 2024

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

This article originally appeared on Money.com 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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