The A-Z of finding the ideal RV insurance coverage

Recreational vehicles are great for family vacations and weekend getaways. With these vehicles, you can experience life in its true form as you bond with people and still enjoy the comfort of your home.

Whether you own or rent an RV, it is important to get insurance coverage. Having the right insurance policy can keep you give you rest of mind when on long road trips.

People who have converted their RVs into homes can also take advantage of various affordable and flexible RV insurance policies, regardless of what type of RV they own.

RV insurance definition

RVs include a wide fleet of vehicles, ranging from camper vans to large motorhomes, and they are grouped by class. Here are some classes of RVs:

Class A RVs

RVs in this class are known as motorhomes – they have all the amenities you would find in a typical home. Such vehicles can have lengths of up to 75 ft.

Class B RVs

These vehicles are smaller than their Class A counterparts and do not have that many luxuries. Their designs take the form of cargo vans and are often referred to as camper vans.

Class C RVs

Class C recreational vehicles come with a standard cargo van as the RV driving section and a camper section that extends over the van area. Fifth wheel vehicles are grouped under Class C RVs.

RV insurance coverage

RV insurance is similar to auto insurance, being that it covers comprehensive and collision, personal property & belongings coverage, personal attachments coverage, and many more. Depending on the insurance company, you may need additional coverage options that may include:

  • Towing and roadside coverage
  • Total loss replacement coverage
  • Full-time insurance coverage for full-time RVers
  • Campsite and vacation coverage
  • Uninsured and underinsured motorists coverage
  • Emergency expenses

RVers do not necessarily need all the insurance options listed here, as usage and preference vary from one person to another. You can read more about RV insurance here.

Why do I need RV insurance?

Anyone who has invested a lot of money into their RVs would not leave it without insurance for rainy days. A recreational vehicle costs somewhere between $30,000 and $200,000. Having such a vehicle totalled in an accident can be financially draining. Also, if it gets stolen, you may have to purchase a new RV (in the worst-case scenario). For these reasons, it is important to insure your RV.

How much does RV insurance cost?

Purchasing an RV insurance policy depends on several factors as there is no clear-cut cost for RV owners and renters. Here are some determinants to consider:

  • The Class of your RV, whether it be Class A, B, or C. Class A insurance is the most expensive, followed by C, and lastly, B. If you own a camper van, the insurance company will charge you less than someone with a motorhome.
  • Are you a part-time or fulltime RV user? RVers who do not drive or live in their RVs often would need different insurance coverage.
  • Deductibles and policy limits. High deductibles attract low insurance costs. However, if you need to file a claim, the insurance company will charge you more.
  • Other coverage options of preference; these include roadside assistance, personal assistance, and more.

You may spend an average of $2,000 per year for Class A insurance options. Class B insurance range from $1,000 to $2,000.

Best RV insurance companies

The quality and flexibility of your RV insurance product depend on the type of insurance company providing such services. Hence, you should not be in a hurry to patronize an insurance company without understanding their products and area of coverage. In this section, we have provided a list of top 3 RV insurance companies that have won the hearts of many RVers. You can compare each company’s offer to get the best deal.

National General

In the RV insurance industry, no company has made insurance more flexible and convenient for RV owners and renters than National General. With a Better Business Bureau (BBB) A+ since 1960, this insurance company has rendered excellent products and services to customers. With National General, you have the option to choose from a wide range of customize products tailored to meet each individual needs; and that is not all, they provide one of the lowest prices of $271 (pre-discount) per year with a wide range of coverage, including comprehensive and collision coverage, vacation liability, personal effects, and RV emergency expenses.

Another interesting fact worth noting about this company is the exhaustive varieties of insurance policies they offer for all RV classes, including pop-up trailers. Policyholders also have the option to halt their coverage for RVs in storage; this option gives them the opportunity to earn safe driver and low mileage discounts. Should your RV be stolen, you will get a new one similar to the old RV, while a $500 theft reward will be awarded to anyone who finds the stolen vehicle. They also provide after-repair inspection and an emergency coverage of $250.


Progressive has established a strong foothold in the insurance industry as they have excelled both in performance and support. Founded in 1937, this top-leading insurance company provides RVers with a wide range of products covering RV insurance, auto, and home. In terms of accreditation, Progressive has an impressive rating from both AM Best – A+ (superior) – and Standard & Poors (AA). Renters can access their online initial quotes, ideal product discounts, and customized insurance policies.

You can get their basic liability for $125 per annum on all RV classes, including RV trailers and truck campers. This insurance policy covers liability for motor homes, comprehensive and collision, uninsured and underinsured motorists, and also medical expenses for RV owners and occupants.


Nationwide has been in existence since 1926 and over time built a solid reputation in the RV insurance sphere. Formerly known as Farm Bureau Mutual Automobile Insurance Company, the BBB A+ rated insurance company offers a diverse range of products for RVers and are known to have some of the best discounts in the industry. Their services also extend to safety training, home & auto, and claim-free discounts.

All RV class owners and renters can access their insurance policies valued at up to $500,000 for motorhomes and $300,000 for towable trailers. Nationwide insurance covers comprehension and collision average with additional perks like personal effects, more roadside assistance, vanishing deductibles, and coverage for RVing in Mexico. They have excellent customer service operators that are available round the clock to attend to your inquiries and complaints.