Your RV can serve as a home on wheels, whether you are using it for extended trips or weekend getaways. There are many RV insurance options available from auto insurers. You can choose to insure a small campervan or a large motorhome.
We considered the selection of products and discounts offered by each company when choosing the best RV insurance provider. A.M. Best ratings were also considered for financial stability, as well as consumer complaints from the National Association of Insurance Commissioners. These are the top insurance providers for different types of owners.
Why Nationwide is different than the rest: Nationwide offers many insurance products. You can even customize your policy with optional coverages. Nationwide also offers a wide range of discounts on car insurance and a free annual assessment to help you get the most out of money-saving opportunities.
Here are some facts about Nationwide
Nationwide provides comprehensive collision and liability coverage, as well as other coverages for:
- Vacation liability coverage can cover you in the event of an accident while you are using your RV as a temporary home.
- You can get replacement cost and personal effects coverage without having to file a homeowners’ insurance claim.
- You can get medical payments coverage that will cover you and your passengers for any injuries sustained in an accident.
- You can get property damage liability coverage to cover any damage that you cause while driving.
Nationwide offers many ways to save including multi-policy and multi-vehicle discounts. Nationwide also offers On Your Side, an annual insurance assessment that will help you determine if you are eligible for discounts and choose the right coverage for you.
In a study on customer complaints in the insurance industry, Nationwide scored well. Not all states have Nationwide.
See our complete review of Nationwide.
For customized coverage, use Progressive
Why Progressive might be a good option for customized RV coverage. Progressive allows you to customize your RV insurance with a variety of specialized coverages, including roof protection, vacation liability, pet injury, and pest damage. Progressive offers policies that can be used for all types of RVs.
Progressive: What you need to know
Other coverage options from Progressive — in addition to basics like comprehensive, collision, bodily injury liability and uninsured/underinsured motorist — that are custom-tailored to RV owners include:
- Total loss replacement is available to pay for a new replacement if your RV is totaled in an accident.
- Personal effects/replacement costs coverage. This covers personal items such as phones and cameras.
- Full-timer’s liability provides coverage for liability if you live in your permanent residence.
- You can get emergency expense coverage to cover the cost of transportation, hotel and lodging costs in case your RV becomes disabled while on vacation beyond 50 miles.
Progressive offers nationwide coverage and covers a wide range of RVs including fifth-wheel trailers and utility trailers as well as cargo and horse trailers.
Check out our complete review of Progressive.
Ideal for RV-owners who are part-time: National General
Why National General might be a good option for part-time RV owners: Part-time RV owners sometimes keep their vehicles parked for a portion of the year. You might wonder if it is possible to reduce coverage when you aren’t driving your vehicle.
National General has a policy solution that includes this benefit. Storage Savings by National General pauses liability coverage and collision coverage for RVs that are not being used, potentially saving you up 53% on your premium.
What you need to know about National General
National General, which is owned by Allstate, may be able cover you if you spend a lot time in your RV and/or use it as your primary residence. There are several coverage options:
- Personal property coverage can be used to protect personal belongings, such as linens and laptops, within an RV.
- If your RV is declared total loss, you will receive full replacement cost coverage. This covers the cost of replacing it with a similar new model.
- You can get vacation liability coverage to protect yourself against any damage that may occur while camping.
- Coverage for specialized equipment, which may include aftermarket accessories like custom wheels and solar panels.
- Permanent attachments coverage can be used to protect permanently attached items, such as an awning.
The Hartford is the best for customer service.
Why the Hartford is a good choice to insure your RV: The Hartford’s track record of outstanding customer service makes it a great choice. According to a J.D., the Hartford ranked first in customer service. A power study that evaluates satisfaction with auto claims. J.D. Power doesn’t take RV insurance into account when ranking its products. Members of AARP can also receive special perks through The Hartford.
The Hartford: What you need to know
The Hartford is available across most states. It offers discounts like accident forgiveness, disappearing-deductible, and RecoverCare. This can provide up to $2,500 to help with transportation, cooking, and cleaning costs if you are injured in an accident. AARP membership is required to be eligible for certain benefits. It costs $12-$16 per year. This is only available to people over 50.
You can customize your insurance policy with coverage that includes:
- Collision, bodily injury, and property damage coverages.
- If your RV has been damaged by a covered loss, you can help locate reputable repair centers.
- You can get a replacement vehicle if your RV is totaled within 15 months or 15,000mi of its ownership.
Check out our complete review of The Hartford.
FAQs regarding insurance
I own a travel trailer, which I can pull along with my car. Is RV insurance required?
States do not legally require that you insure the vehicle you are pulling along with your truck or car. However, a lender might require collision and comprehensive coverage if your travel trailer is being financed.
What are the best ways to get the lowest rates on insurance?
You should choose a secure place to store your RV as it could impact your rates. A good driving record can help you lower your monthly premium, just like standard car insurance. You should also make use of any discounts that may be available to lower your monthly insurance bill.
Should I cancel my insurance if I only use my RV for part-time?
Although it may save you money in short-term, it is not a wise decision to cancel your RV insurance while it is in storage. The vehicle can be damaged by fire, flood, or theft. These risks can be covered to ensure that you are always protected.
How did we choose these insurers
To arrive at our decisions, we considered policy options, availability, and discounts. A.M. Best ratings for financial health were analyzed and NAIC data was used to compare each company’s total complaints with a national index. We also looked at discount options and a range of services.