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Falling somewhere between homeowners and auto insurance, recreational vehicle (RV) insurance policies need to address the unique risks of a moving vehicle that can also serve as a living space. Whether you live in a motor home full-time or use a camper trailer occasionally for vacations, our research should help you find the best RV insurance provider for your situation.
Best RV insurance overall: Progressive
The best RV insurance can be found with Progressive, thanks to the company's wide range of coverage options. Whether you're an RV full-timer or part-timer, Progressive's standard policies usually include more features than any other insurer. For example, Progressive RV policies include both accident forgiveness and pet injury coverage, which usually cost more at other insurers.
Accident forgiveness with Progressive is especially generous if you've had a policy there for at least four years and remain claim-free. At that point, your next accident won't raise your premium regardless of how much it costs to fix. Progressive's add-on features are competitive too, offering full replacement cost coverage and a dwindling deductible endorsement that rewards you for staying claim-free.
Best customer service: COUNTRY Financial
COUNTRY Financial consistently has one of the strongest customer service reputations in both auto and home insurance, and it also lays out a detailed plan for insuring RV owners in a way that makes sense for each individual. These qualities make it our top choice for RV owners who want a guarantee of coverage that will be effective when it's needed.
When we looked at J.D. Power's 2019 customer satisfaction ratings for companies that provide RV insurance, COUNTRY Financial came out on top in both the auto insurance and homeowners insurance categories. The company's customers gave it a high average rating at each step of the claims process, from first notice of loss to final settlement.
Best auto and RV bundle: National General
Although National General's complaint ratio suggests the company has customer service issues, its bundling discount makes it one of the most affordable RV insurance providers we found. National General offers a multivehicle discount on RV insurance of up to 20% for customers who buy both policies.
In addition, your bundled policies will be covered under a single deductible: If your car and RV are damaged in the same event, you'll only have to file one claim and therefore pay one deductible. This feature could be particularly useful to customers who hitch their RVs to their cars (or vice versa).
As an added bonus, National General makes it easy to get an RV insurance quote online. Unlike other insurers, which will generally require you to speak with an agent before getting RV insurance rates, National General will give you a quote online if you submit your location, make, model and other standard information included in the insurance application process.
Best Discounts on RV Insurance: Nationwide
One of the largest home and auto insurance providers in the country, Nationwide has the greatest variety of discounts of any of our top RV insurance companies, giving shoppers looking for value a way to find the best RV insurance rates.
Nationwide offers many of the discounts you'd expect with most RV insurance companies such as multipolicy discounts for combining your purchase with home or auto insurance, savings for paying your policy in full, and savings for maintaining continuous insurance coverage on your vehicle.
However, Nationwide stands out in the more unique discounts it has on offer. For example, you'll get discounts for completing an approved state RV safety course, being a member of an RV club and being a member of a qualifying affinity organization, which includes hundreds of alumni associations and professional groups.
Other RV insurance providers
RV insurance is a specialized policy, and it's not as widely offered as other types of insurance such as homeowners and auto. If you decide not to explore our recommended options, here's a list of other insurance companies that offer RV-specific insurance.
Alternative RV insurance options
- Blue Sky
- National Interstate
How to choose the right RV insurance policies
When comparing your RV insurance options, it's important to get a policy tailored to your type of RV, your lifestyle and personal preferences. As a foundation, most RV insurance companies have standard coverage features, included whether you're a full-timer or part-timer. Defined below, these coverages represent the foundation of any RV insurance policy.
- Bodily injury liability covers the cost of injury to others, including medical bills and lost income, after an accident you cause with your RV.
- Property damage liability covers the cost of damage you cause to other people's property in an RV accident.
- Collision coverage is for your own RV. Collision coverage will reimburse you for damage to your motor home or camper trailer if it's damaged in an accident with another vehicle or rolls over.
- Comprehensive coverage is also for your RV, but it covers events unrelated to collisions on the road. This could include fire damage, wind damage and theft.
- Uninsured or underinsured motorist coverage protects you if another motorist, at-fault for injuries or damages caused to you, cannot afford to reimburse you through their insurance coverage. Some states make this mandatory.
- Personal injury protection helps pay for medical costs for you and your passengers after an accident in your RV. Also called medical payments coverage, this feature applies regardless of who is at fault in the accident.
Beyond those standard features, providers will offer a variety of optional add-on features that can tailor your policy to fit your needs, which is important given the different coverage needed for full-time versus part-time RV insurance.
RV insurance coverage features for full-timers
Full-timers will want to ensure their policy has the following coverage features.
Personal liability coverage: If you're looking for the best RV insurance for full-timers, you'll want complete personal liability coverage, which will protect you from the legal liability of injuries that happen in your RV or on your property surrounding the RV. This protection is similar to the liability coverage you would obtain in a home insurance policy, because as a full-timer, your RV is your home.
Personal property coverage: Part-time RV users won't necessarily have their most valuable possessions in their vehicles, and their insurance policies will often include limited or no protection for damage to their personal belongings. If you're a full-timer, chances are you keep valuable items in your RV, and you'll want to ensure you have personal property coverage—sometimes called personal effects coverage—so you're reimbursed in the event of a sudden catastrophe.
RV insurance coverage add-ons for part-timers
Part-timers buy an RV insurance policy that will only be used during part of the year. This insurance policy should include some of the following useful features.
Vacation liability coverage: This provides the same type of protection as personal liability coverage, but on a temporary basis. For people who only use their RVs for part of the year, vacation liability will protect them from the legal liability of injuries that happen in their RV or on your property surrounding it. However, this coverage is only accessible if you reside in the RV less than full-time, with the exact cut-off determined by insurers.
Storage option: If you don't use your RV the entire year, it doesn't make sense to pay for year-round coverage. Many RV insurance companies, including Safeco and National General, let you suspend some coverages (like collision) while keeping others (such as comprehensive). This means you'll cut costs while keeping the protections that matter.
RV insurance coverage add-ons for both full-timers and part-timers
RV insurance companies also offer coverage that can be added to both full-time and part-time policies, depending on your lifestyle. Below we've noted some of the more common supplementary features among RV insurance companies.
Pet injury coverage: This will reimburse you for injuries to your pets if they're hurt in a covered accident. Limits for this coverage are generally low, but it is a good way to save on veterinary bills if you're a pet owner.
Mexico physical damage: Covers you for physical damage sustained to your RV while you're driving or transporting it in Mexico. For international travelers who plan on going south of the border quite often, this is a great feature, but you should note that liability coverage is generally not included and will have to be purchased from a Mexican insurance company.
Diminishing deductible: Many RV insurance providers offer a diminishing deductible coverage option, which reduces your deductible each year you don't file a claim. This feature can help you avoid out-of-pocket costs in the event you do end up in a rare accident.
RV insurance class and why it matters
When you're shopping for RV insurance, be aware that the class of your vehicle will affect the price. Motor home insurance is the most expensive, as these vehicles are divided into three categories: Class A, B and C. Insurance is most expensive for Class A recreational vehicles, which are large in size and built on a chassis designed for buses or trucks.
Class B motor homes, often called camper vans, have the cheapest insurance prices of the three. Class C motor homes, built with a cabin chassis, are mid-sized RVs, and insurance prices generally fall between the other two classes.
Although not mandatory, you can use RV insurance to cover a towable trailer for extra protection. But generally, towable recreational vehicles are covered by the insurance of the towing vehicle, whether that's a car or a motor home.