RV Insurance
Protection for recreational vehicles, motorhomes, and travel trailers.
Typical cost: $1,000 – $3,500 per year
What Is RV Insurance?
RV insurance is a specialized policy designed for recreational vehicles—motorhomes, travel trailers, fifth wheels, camper vans, and pop-up campers. Because RVs serve as both transportation and living space, they require coverage that blends elements of auto insurance and homeowners insurance into a single policy.
Types of RVs and Coverage Needs
Motorized RVs (Class A, B, and C motorhomes) are drivable and typically need liability, collision, and comprehensive coverage similar to auto insurance. Towable RVs (travel trailers, fifth wheels, pop-up campers) are pulled by another vehicle and may be partially covered under your auto policy, but a dedicated RV policy provides far superior protection for the unit itself and its contents.
Full-Timer Coverage
If you live in your RV full-time, standard RV insurance may not provide adequate personal property and liability limits. Full-timer coverage upgrades your policy to function like a homeowners policy, increasing personal property limits, adding personal liability similar to a homeowners policy, and covering your belongings as if the RV were a permanent residence. This is critical for the growing number of Americans who have adopted full-time RV living.
Vacation Liability and Campsite Coverage
Many RV policies include vacation liability, which covers you if someone is injured at your campsite while you're parked. This extends the personal liability concept to your temporary outdoor living space—covering injuries from awnings, outdoor grills, leveling equipment, and other campsite hazards. It also covers damage to rented campsite property.
What's covered
Liability Coverage
Covers bodily injury and property damage you cause to others while driving your motorized RV.
Collision Coverage
Pays to repair or replace your RV after a collision with another vehicle or stationary object.
Comprehensive Coverage
Covers non-collision damage including theft, fire, vandalism, hail, animal strikes, and falling objects.
Personal Belongings
Protects contents inside the RV—clothing, electronics, kitchenware, and personal items—against covered losses.
Full-Timer Coverage
Upgrades the policy for full-time RV dwellers with personal property and liability limits similar to homeowners insurance.
Vacation Liability
Covers injuries to visitors or campsite property damage while your RV is parked and set up at a campground.
Emergency Expense
Reimburses lodging, meals, and transportation if a covered breakdown leaves you stranded away from home.
Attached Accessories
Covers awnings, satellite dishes, leveling systems, and other permanently attached equipment.
Specialized coverage
Explore specific rv insurance options.
Pros and cons
Advantages
- Combines auto and home coverage into a single policy
- Full-timer options serve the growing mobile living community
- Vacation liability protects you at campsites and RV parks
- Emergency expense coverage helps when breakdowns strand you far from home
- Personal belongings coverage protects everything inside the RV
- Agreed value options available for total loss claims
- Seasonal lay-up discounts available for fair-weather travelers
Considerations
- Class A motorhome premiums can rival home insurance costs
- Full-timer coverage adds significant cost to the policy
- Depreciation is steep on RVs making ACV payouts disappointing
- Maintenance-related mechanical breakdowns are excluded
- Towed RVs may require separate policies from the tow vehicle
Frequently asked questions
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