Are you on the hunt for the best motorhome insurance rates ? We’ve got you covered. we’ve scrutinized various providers based on their industry reputation, availability, coverage selection, costs, and customer service reputation. Our top choices include Progressive, Good Sam, Geico, Nationwide, Allstate, and State Farm, each excelling in different aspects. While insurance for towable RVs is often not mandatory, it’s recommended to have coverage for your camper, whether it’s well-used or brand-new. Self-propelled motorhomes require at least the minimum auto insurance coverage mandated in your state. Regardless of requirements, RV insurance offers vital protection for your investment and peace of mind during your travels.

best motorhome insurance rates

1. Progressive: Editor’s Choice

Pros

1. Comprehensive selection of coverage options
2. Several discounts
3. Offers accident forgiveness for small claims under $500

Cons

1. Discounts vary by state
2. Personal property coverage not included in standard plans

What We Like About Progressive: Progressive outshines other RV insurance providers due to its wide array of coverage options and discounts. Their deep understanding of the RV lifestyle and the needs of RVers is evident. Just as with their boat insurance, Progressive offers policyholders specialty coverage options and savings opportunities that truly cater to the unique needs of RV owners.

Notable Coverages:

• Roof Protection Plus®: Covers damage to your RV’s roof, a common trouble spot. Eligible RVs must be less than six years old.
• Pest damage protection: Covers damages from non-domesticated animals such as rodents, birds, or insects. Eligible RVs must be fewer than six years old.

Notable Discounts:

• Prompt payment: Progressive discounts your first payment when paid on time.
• Original owner: Discount available for the first owner of the camper who purchases comprehensive and collision coverage.

2. Good Sam: Top Choice for Mexico Travel

Pros

1. Offers RV coverage for travelers from the U.S. while in Mexico
2. Membership includes discounts on campsites and more
3. Coverage for full-timers

Cons

1. Not a direct provider
2. Some customer complaints about claims processing times

What We Like About Good Sam: Good Sam Insurance Agency acts as a broker, collaborating with trusted names in the industry to find the ideal coverage for its customers. They specialize in RV coverage in Mexico, making them a top choice for those heading south of the border.

Notable Coverages:

• Full-timer: Covers your RV if you use it as your primary residence.
• Emergency expenses: Covers accommodation costs and more if your RV breaks down during your travels.

Notable Discounts:

• Storage option: Provides a discount if your RV is stored for an extended period.
• Anti-theft: Offers a discount if you install anti-theft devices.

3. Geico: Exemplary Customer Service

Pros

1. Offers personal property coverage limits up to $100,000
2. Full-timer insurance available
3. Total loss replacement coverage available

Cons

1. Not all coverage available in all states
2. Included personal effects coverage is low
3. No coverage for vehicles over $500,000

What We Like About Geico: Geico stands out due to its reputation for exceptional customer service. They offer a range of camper insurance products that cater to both full-time RVers and recreational campers, ensuring a wide appeal among RV enthusiasts.

Notable Coverages:

• Special windshield deductible: Provides windshield repairs for free and replacements for a $50 deductible.
• Replacement cost personal effects: Covers the full replacement cost of damaged or stolen personal belongings.

Notable Discounts:

• Commercial driver license (CDL): Eligible for a discount on Geico RV insurance.
• Defensive driving course: Earn a discount on your RV policy by completing an approved defensive driving course.

4. Nationwide: Top Choice for Full-Timers

Pros

1. Towing and labor add-on includes trip interruption coverage
2. Wide range of discounts available
3. Offers great coverage options for full-time RV insurance

Cons

1. No pet coverage
2. Website doesn’t have an online quote tool

What We Like About Nationwide: Nationwide excels in providing coverage options for all RVers, making it a fantastic choice for those who use their RV as their primary residence. An array of discounts further enhances affordability.

Notable Coverages:

• Vacation liability: Covers medical expenses and property damage to other parties from your camper while it’s parked.
• Towing and labor: Covers the cost of towing your vehicle and on-site labor if it breaks down.

Notable Discounts:

• RV safety course: Completing an approved RV safety course can earn you a policy discount at Nationwide.
• RV association: Membership in an RV club or owners association makes you eligible for a discount.

5. Allstate: Extensive Coverage Selection

Pros

1. Wide selection of specialty coverage
2. Pet coverage included in all policies
3. Offers discounts to older RVers

Cons

1. Not as many discounts as many other insurers
2. Some customer complaints about claims process

What We Like About Allstate: Allstate offers a substantial selection of coverage add-ons, making it an excellent choice for both full-time and part-time RVers. With pet insurance included in standard policies, it’s a great option for pet owners.

Notable Coverages:

• Tow bar: Covers your tow bar if damaged in an accident.
• Full-timer liability: Your liability claims on your RV are covered if you use it as your residence for more than six months.

Notable Discounts:

• Married discount: A discount for adding your spouse to your RV policy.
• Paperless: Save on coverage by choosing to receive bills via email.

6. State Farm: Best for Local Service

Pros

1. Large network of in-person offices
2. Offers personal articles coverage
3. Roadside assistance available

Cons

1. Limited information online
2. No online quotes

What We Like About State Farm: As the country’s largest insurer, State Farm offers quality RV coverage with a strong presence of in-person offices, a big advantage for those who prefer conducting insurance business face-to-face.

Notable Coverages:

• Personal articles: Covers possessions not permanently attached to your RV.
• Roadside assistance: Includes emergency roadside services such as fuel delivery and flat tire replacement.

Now that you’ve explored the leading RV insurance providers, it’s time to make an informed choice based on your specific needs. Each company has unique strengths, so consider what matters most to you when selecting the perfect coverage for your RV adventures.

RV Insurance Demystified best motorhome insurance rates

Understanding RV Insurance, best motorhome insurance rates

Insurance for RVs operates much like other insurance products. You pay a premium in exchange for liability, property, and medical coverage. In the event of a covered accident or other source of damage, your insurer will cover related costs within your policy’s coverage and limits.

Types of RVs

The cost and specifics of your coverage depend largely on the type of RV you want to insure. RVs fall into two main categories: towables and drivables.

Towables Towable RVs require a towing vehicle as they lack their own motor. They come in various sizes and trim levels. Common types include teardrop trailers, pop-up campers, toy haulers, truck campers, travel trailers, and fifth-wheel trailers.

Drivables Drivable RVs are self-propelled, mounted onto a vehicle chassis with their own motor. They range from Class A motorhomes to Class B motorhomes and Class C motorhomes.

RV Insurance Cost, best motorhome insurance rates

The average cost of RV insurance is approximately $1,500 per year, though premiums can vary significantly based on your RV’s type and value, your usage, driving history, location, credit score, coverage choices, and applicable discounts.

RV Insurance Rate Factors, best motorhome insurance rates

Several factors influence your RV insurance rates, including your driving history, RV value, usage, RV driving experience, location, credit score, and the coverage you select.

RV Insurance Discounts

RV insurance policies often offer a range of discounts. Common ones include multi-policy discounts, multi-vehicle discounts, responsible driver discounts, paid-in-full discounts, safety course discounts, association discounts, military discounts, private passenger discounts, storage discounts, and claim-free discounts.

RV Insurance Coverage

RV insurance offers standard coverages similar to auto insurance, such as bodily injury liability, property damage liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, and medical payments. Additionally, RV insurance offers specialty add-ons like roadside assistance, vacation liability, pet injury coverage, emergency expense coverage, sound system coverage, rental reimbursement, safety glass coverage, international coverage, full-timer liability, and towing and labor coverage.

RV Insurance Exclusions

Most insurers exclude coverage for wear and tear, mold, rot, fungi, misuse, and in some cases, damage from floods or earthquakes. The specifics of exclusions can vary by insurer and location.

Does RV Insurance Cover Water Damage?

Comprehensive RV coverage typically includes protection against water damage, covering issues like leaking fixtures and window seal or awning leaks.

RV Damage Settlement Options

In the event of substantial damages, your insurer may declare your RV a total loss. You’ll typically have three settlement options: actual cash value, agreed value, or total replacement cost.