I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 24, 2020

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Recreational vehicles are more than just a way to get from point A to point B, offering a home on wheels for adventurers of all ages who want to explore everything from national parks to sporting events.

Because they combine key attributes of both homes and vehicles, whether as a singular unit or a trailer attached to a traditional car or truck, RVs represent a significant investment for everyone who purchases one.

Protecting that kind of valuable asset with insurance is a simple, common-sense decision.

The Best RV Insurance Companies

Here are the top 7 providers of the best RV insurance:

National General RV Insurance

national general rv insurance

National General is the company that many third party RV Insurance providers use to offer coverage.

With an A+ Better Business Bureau rating and 24/7 customer service, they are a company to definitely consider for your RV insurance needs.

They offer tailored coverage for your RV insurance needs and to top it off, discounts for insuring multiple vehicles, such as your RV and your daily driver, or for paying in full upfront.

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Good Sam Insurance Agency

good sam insurance agency

Good Sam Insurance Agency offers a dedicated line of business for RV owners, having operated in this specific part of the broader insurance world for decades.

The agency’s experience in addressing the unique needs of RV drivers, just like you, makes it an especially effective choice in terms of insurance providers. They combine a good deal of institutional knowledge with a wide range of coverage options that can be used for all sorts of RVs and the different approaches owners take to operating them.

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RVInsurance.com

rvinsurance.com

RVInsurance.com is a subsidiary company of National General Insurance focusing on coverage options for the many different categories of RVs.

It functions as a marketplace, offering RV insurance from its parent company as well as national providers like Nationwide, Foremost, and Safeco.

This approach combines the stability of an established, successful insurer with the many options provided by an insurance marketplace company.

The company publishes a yearly eBook that can help RV owners shopping for insurance weigh their options.

Compare Rates with RVInsurance.com

Geico RV Insurance

geico rv insurance logo

Geico offers RV insurance from a large, nationally recognized, and established provider. The Kampgrounds of America, the largest group of privately held campgrounds in the country, partners with Geico to offer RV insurance, indicating that the insurer has proven itself as a provider in this specific category.

Similar to other top RV insurers, Geico provides coverage for a wide range of motorhomes, RVs, and trailers, dividing coverage broadly between the motorized and towable categories.

Progressive RV Insurance

progressive rv insurance logo

Progressive is a notable name in the world of consumer-focused insurance, providing coverage for everything from vehicles to homes.

This includes RVs, and the company covers occasional drivers as well as those who live full time in their vehicles.

With options for bundled discounts and other benefits that come with securing coverage from an established leader in the insurance industry, Progressive can be an effective choice for many RV owners.

Nationwide RV Insurance

nationwide rv insurance logo

Nationwide is another large, nationally recognized business that offers RV coverage along with many other types of insurance.

It’s accessible, large customer service infrastructure, and range of coverage options for RV and personal insurance in general, are all standout attributes.

With a streamlined quote process and a solid business foundation, Nationwide can help RV owners secure effective coverage.

The Hartford

the hartford rv insurance

The Hartford is one of the nation’s oldest and most stable insurers, having started its operations more than 200 years ago and maintaining its position in the traditional hub of the American insurance industry. Its RV insurance offerings are provided through a partnership with AARP. Members have access to a variety of RV insurance choices.

Although this joint program requires the policyholder to join AARP, that organization offers an associate membership program for individuals under the age of 50, the customary age required to join, who want to access the related benefits. By taking this extra step and assuming they qualify, RV owners of any age can access this option for insuring their vehicle.

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What is RV insurance?

Simply put, RV Insurance is an insurance policy similar to that of your car insurance policy that protects you against any loss regarding your RV.

Recreational vehicles (RVs) are a popular staple of American life. In fact, the RV market accounts for $50 billion of economic impact in the U.S. each year.

If you’re thinking about adopting the RV lifestyle, then you should gain as much knowledge as you can about RV insurance.

Luckily, if you already own a home or a car, you’ll already be somewhat versed in the different levels of coverage and how they work, since RV insurance contains many of the same elements as auto and home insurance.

Is RV Insurance Required By Law?

Like auto insurance, you’re required by law in every state to purchase the minimum amount of liability coverage, which covers damage to other people’s property and the bodily injury of others.

In other words, if you get in an accident and it was your fault, your insurance will pay for the damages that you caused.

For example, let’s say you bump your RV into the back of a car that’s stopped at a traffic light. Your liability insurance will cover the cost of repairing damages to that person’s vehicle, plus any medical bills that that person accrues.

In that scenario, it’s important to note that liability coverage would not pay for your medical bills or any damages to your RV.

Types of RV Insurance

Beyond liability, there are higher levels of coverage that specifically protect you and your property.

The two main ones are collision and comprehensive coverage, but there are more options to consider as well.

They require you to pay more out of pocket but are useful in the unpredictable event of an accident that leaves your RV damaged.

Collision Coverage

This type of coverage will protect you after an accident, regardless of whether it was your fault. So if you rear-end another car, your insurer will cover the cost of repairing the damages to your RV, in addition to the other car’s damages. Collision coverage also applies to non-traffic-related accidents, such as crashing into physical objects like trees or telephone poles.

Comprehensive Coverage

This type of coverage relates to events that are completely out of your control. If your RV is stolen, vandalized, struck by lightning, burnt in a forest fire, or crushed by a fallen tree, comprehensive coverage will help you pay for the damages. As someone who spends a lot of time on the road, you won’t always be guaranteed a safe parking spot, which makes this type of coverage a wise investment.

Full Replacement Cost Coverage

Sometimes, having collision and comprehensive coverage on your policy is not enough to recoup your losses after an accident.

These types of coverage are designed to help with repairing manageable damages to the RV.

But what if the RV is totaled? It does happen, which is why insurers provide the option of adding full replacement cost coverage. So if your RV is taken away by a flood, your insurer will essentially buy a new one for you.

Personal Attachments Coverage

People will typically attach things to their RVs, such as satellite dishes, awnings, and antennas. It’s important to remember that these attachments are not automatically covered by your insurance policy.

So if you plan on adding features to your RV, chat with your insurance agent about how you can get them included in your policy.

Uninsured Motorist Coverage

As discussed, anyone who owns any kind of vehicle must have liability insurance.

However, many people break the law and drive uninsured anyway. You may need protection from these people.

If you get into an accident with someone who has no insurance, uninsured motorist coverage will help cover the cost of the repairs.

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RV Insurance Cost

Like all types of insurance, an underwriter will determine the price of your policy by assessing how risky you are.

The cost of your coverage will depend on many factors, but here are the three main factors affecting your cost:

  1. The class of RV: Class A is the largest and most luxurious model. Class B (also known as a van camper) is basically a large family van. And Class C (the most popular model) is sized in the middle. RV insurance also covers travel trailers (an RV that is towed rather than driven).
  2. How often you use your RV: There are different options for full-timers vs. part-timers.
  3. Your driving history: If you have a lot of accidents on your record, expect to pay a higher premium.

Who Needs RV Insurance?

The quick answer is anyone who owns an RV, but that demographic is evolving. 20 years ago, most RV insurance policyholders were retirees in their 50s.

Today, with the rising popularity of the “travel and work” lifestyle, lots of millennials are entering the market.

RVs are a big investment, and RV insurance will help you protect that investment.

So if you are thinking about buying an RV, take the time to understand the pros and cons of RV insurance.