The Best RV Insurance Companies in 2023

Best RV Insurance Providers: Top 10 Choices and Coverage Details

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Best RV Insurance Providers

When it comes to safeguarding your cherished recreational vehicle, the choice of insurance provider can be paramount. In the quest for Best RV Insurance Providers, the ideal RV insurance, we meticulously evaluated several contenders and shortlisted the top players. Join us on this journey to discover the pros and cons of these RV insurance giants and the intricate details of their coverage options. the right RV insurance involves assessing your specific needs, comparing policies, and considering discounts and bundled coverage. Ultimately, it’s about ensuring that your cherished RV is safeguarded on all your journeys.

Best RV Insurance Providers

Best RV Insurance Providers

1. AAA RV Insurance: Uncovering the Advantages and Drawbacks

PROS

  • Comprehensive coverage for motorhomes, travel trailers, and campers.
  • Membership perks include roadside assistance, hotel discounts, and more.
  • Additional coverage for lodging and transportation in the event of RV damage.

CONS

  • Coverage options can vary by region (southwest, northeast, etc.).
  • Limited availability of RV policies nationwide.
  • Insufficient online information for potential customers.

While AAA’s RV insurance offers an array of coverage, it falls short due to its regional variations and limited nationwide availability.

Best RV Insurance Providers
Best RV Insurance Providers

2. Allstate RV Insurance: A Deeper Look at the Benefits and Limitations

PROS

  • Discounts available for switching from other insurance providers.
  • Special discounts for drivers aged 55 or older.
  • Gas price locator for cost-effective refueling.

CONS

  • Scarce information on the company website.
  • Online quotes not offered.
  • RV quotes exclusively accessible through sales agents.

Allstate’s RV policies encompass valuable features, such as emergency travel expense coverage. However, it is not featured on our primary list due to its limited online presence and the necessity of interacting with sales agents for obtaining quotes.

3. Geico RV Insurance: Unveiling the Strengths and Weaknesses

PROS

  • Low-cost windshield deductible for repairs and replacements.
  • Personal effects replacement with limits up to $100,000.
  • Accident forgiveness for drivers accident-free for five years.

CONS

  • Limited online information regarding coverage.
  • Enhanced RV coverage unavailable in HI, MA, MI, and NC.
  • Total loss replacement availability varies by state and vehicle value.

Geico’s RV insurance offerings match the competition, but its regional limitations and website information gaps pose hindrances for potential clients.

4. Safeco RV Insurance: Delving into the Features and Restrictions

PROS

  • Coverage includes loan or lease protection.
  • Deductibles decrease by $100 annually, up to a $500 reduction.
  • Insures motorhomes valued up to $1 million.
  • Coverage extends to custom equipment.

CONS

  • Limited online information available.
  • Absence of online quoting.

Safeco caters to a range of motorhomes but misses the mark due to limited online information and coverage limited to vehicles used less than 250 days annually.

5. Foremost RV Insurance: Evaluating the Advantages and Disadvantages

PROS

  • Coverage for emergency expenses when the camper is damaged.
  • Transport reimbursement for a damaged RV to storage, repair facility, or home.
  • Full-timer coverage for various RV types.
  • Special policies for USAA members.

CONS

  • Unavailable in DC or Hawaii.
  • Sparse information on the website.

Foremost, a subsidiary of Farmers Insurance, offers substantial coverage, but it lacks availability in certain areas and comprehensive online information.

6. Farmers RV Insurance: Highlights and Limitations

PROS

  • Coverage extends to travel anywhere in Canada.
  • Insures equipment permanently attached to your RV.

CONS

  • Lack of information on available discounts.
  • Absence of online quoting.

Farmers’ RV insurance provides unique features, such as coverage in Canada, but its information gaps on the website hinder client understanding of policy features.

7.USAA RV Insurance: Benefits and Drawbacks

PROS

  • Discounts for safe driving and original ownership.
  • Multi-vehicle discount.
  • Comprehensive RV coverage for all classes, including slide-on campers.
  • Members enjoy a 5% discount on policies.

CONS

  • Policies exclusively available to military families.
  • 5% members-only discount not available in all states.

USAA collaborates with Progressive to offer RV insurance but is limited to military families, making it inaccessible to the broader public.

8. Country Financial RV Insurance: A Glimpse at the Offerings

PROS

  • Multi-policy discount.

CONS

  • Exclusively available through agents.
  • Operates in only 19 states.
  • Limited online information.

Country Financial’s RV insurance is bundled with home or auto insurance, catering to a specific niche in only 19 states. The exclusivity of its offerings may not suit all customers.

9. National Interstate RV Insurance: Coverage Options and Information Gap

PROS

  • Specialized RV insurance options for full-timers.
  • Deductible reduction of 25% for each consecutive claim-free year.
  • Windshield replacement coverage.
  • Coverage for commercial RVs.

CONS

  • Exclusive availability through agents.
  • Website lacks comprehensive information on terms and discounts.

National Interstate offers specialized RV insurance for full-timers but falls short in providing detailed online information for potential clients.

10. The Hartford RV Insurance: Lifetime Guarantee and Restrictions

PROS

  • Lifetime guarantee for repairs at authorized repair shops.
  • 24/7 claims submission.
  • RV replacement in the first 15 months if totaled.

CONS

  • Exclusive availability for AARP members.
  • Not available in U.S. territories.

The Hartford’s customizable RV insurance boasts a lifetime repair guarantee but is exclusively accessible to AARP members, limiting its audience.

Understanding the Importance of RV Insurance

Before we dive into the details, let’s understand why RV insurance is crucial for every RVer. Recreational vehicles are more than just a mode of transportation; they serve as your home away from home, carrying valuable possessions and providing shelter during your journeys. Accidents or unforeseen events can lead to significant financial losses, making RV insurance a necessity to safeguard your investment and provide peace of mind.

Factors to Consider When Choosing RV Insurance

When you start your search for the perfect RV insurance, several key factors should guide your decision.

1. RV Type

The type of RV you own plays a significant role in determining the right insurance coverage. Motorhomes, travel trailers, and fifth-wheels all have unique insurance needs. Ensure you choose a policy that suits your specific RV type.

2. Coverage Options

RV insurance policies come with various coverage options. Basic policies typically cover liability and property damage, while comprehensive coverage can protect against a wider range of risks, including theft, vandalism, and natural disasters. Evaluate your needs and budget to select the appropriate coverage.

3. Personal Belongings

Consider the value of personal belongings inside your RV. Some insurance policies may offer coverage for these items, ensuring you’re financially protected if they are damaged or stolen during your travels.

4. Usage and Mileage

How you plan to use your RV and the number of miles you intend to travel annually can affect your insurance premium. Be honest about your usage patterns to secure the right policy and avoid potential coverage gaps.

5. Deductibles

Deductibles represent the amount you’ll need to pay out of pocket in the event of a claim. A higher deductible can lower your premium, but it’s essential to strike a balance between affordability and peace of mind.

6. Discounts

Many insurers offer discounts to RVers. Common discounts include multi-policy, safe driver, and RV association membership discounts. Take advantage of these to reduce your insurance costs.

Types of RV Insurance: Tailoring Coverage to Your Needs

When insuring your RV, it’s essential to consider the specific needs of your vehicle. Whether you seek basic liability protection or comprehensive coverage that includes personal effects and emergency expenses, your choice should align with your usage and state requirements.

  • Basic Liability Coverage: Mandatory for self-propelled RVs, covering liability to meet state minimum requirements, regardless of occasional or residential use.
  • Towable RVs: Check whether the towing vehicle’s policy extends to the RV. It typically covers liability, but not physical damage or accessories.

Best RV Insurance Features for Part-Time RVers

For those who use their motorhomes occasionally, consider these beneficial add-ons:

  • Property-Damage Liability Coverage: Pays for damages to others’ property or vehicles.
  • Bodily Injury Liability Coverage: Helps with medical expenses for those injured in an at-fault accident.
  • Collision Coverage: Covers repairs after an accident with another vehicle.
  • Comprehensive Coverage: Protects against theft, vandalism, natural disasters, fire, and non-collision incidents.
  • Uninsured/Underinsured Motorist Coverage: Covers repairs and medical expenses in accidents with underinsured or uninsured drivers.
  • Personal Injury Protection (PIP): Covers medical expenses for you and your passengers in accidents, regardless of fault.
  • Campsite/Vacation Liability Coverage: Provides legal expense coverage for non-family members injured in your campsite area or RV.
  • Roadside Assistance: Ensures 24/7 help for flat tires, battery issues, and emergencies.

Best RV Insurance Features for Full-Time RVers

Full-timers should explore comprehensive policies that include the above-mentioned add-ons and:

  • Personal Property Coverage: Replaces damaged or stolen personal belongings.
  • Total Loss Replacement: Replaces your RV with a similar model in case of theft or total loss.
  • Full-Time RV Liability Coverage: Offers extra liability and medical expense coverage for those living in their RV for extended periods.
  • Emergency Expense Allowance: Covers living and travel costs if your RV leaves you stranded over 100 miles from home.
  • Specialized Coverage: Replaces appliances and covers pet injuries in the RV.
  • Loss Assessment: Helps with fees from RV associations for common area damage.

What RV Insurance Doesn’t Cover

While RV insurance provides extensive protection, there are limits:

  • Normal Wear and Tear: Routine maintenance and deterioration are not covered.
  • Mold Damage, Fungi, or Rot: Mold damage is generally excluded unless linked to a covered event.
  • Certain Water Damage: Regular wear and tear, freezing temperatures, and manufacturer defects are typically not covered. Earthquake coverage may require a separate policy.

Purchasing RV Insurance: A Guideline for the Right Coverage

Here’s how to find and purchase the ideal RV insurance:

  • Comparison Shopping: Request multiple quotes to find the most suitable coverage, considering your driving history, state, vehicle type, and usage. Independent insurance agents can offer guidance and options.
  • Bundling Policies: Many insurers provide discounts for bundling RV insurance with other policies, like auto, home, or boat insurance.
  • Available Discounts: Explore discounts for paying the full annual premium, timely payments, claims-free records, safety features, good driving history, safety courses, RV association memberships, and more.
  • Insurance When Renting an RV: If renting an RV, consider RV rental insurance, which is similar to car rental insurance. Determine if your existing insurance extends to rented RVs and coverage limitations.
  • Renting Out Your RV: If you rent your RV, your policy may not cover renters. They may need their rental insurance, and in some states, special licenses to drive an RV.

best motorhome insurance rates, 6 Best RV Insurance Companies

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best motorhome insurance rates

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.
best motorhome insurance rates

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.