You may be able to insure your recreational vehicle (RV) on your auto policy, but even if you do, coverage is likely to be limited to physical damage. That’s why RV insurance provides much broader protection to owners of recreational vehicles.

RV insurance includes protection for a variety of vehicles in which one or more people can drive and sleep comfortably and even enjoy bathroom and kitchen facilities. Insurance can cover the vehicle itself, traffic accidents, damage to your own and others' vehicles, medical payments, contents and more. RV insurance is more comprehensive than standard auto insurance because it not only insures a moving vehicle, but also a home.

Top 10 Most Reviewed RV Insurance Companies

Cyril Tuohy, has covered the insurance industry for more than 15 years. He is an expert at writing about personal and commercial property-casualty insurance and covers life, annuities and retirement as a staff writer for a top insurance trade magazine aimed at insurance agents and financial advisors.

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What features matter most?

Standard RV coverage

The point of owning an RV is to have the ability to travel from state to state in comfort, which means you'll need comprehensive and collision insurance as well as bodily injury, property damage liability coverage and uninsured motorist coverage that applies wherever you travel. Standard RV coverage isn’t much different from regular auto insurance, but the risks involved are potentially much higher since RVs cost more to fix and replace and the number of people traveling in the RV is likely to be higher than in a car:

  • Bodily injury and property damage: This ensures that your legal liability to a third party as a result of an accident involving your motorized home is covered. This coverage is required in most states.
  • Comprehensive and Collision: This covers the cost to repair your RV if it is stolen or damaged in an accident.
  • Medical payments: This covers medical costs incurred as a result of an accident in your RV, regardless of who is at fault.

Contents coverage

Like your home, your RV is full of valuable items that may or may not be replaceable. Contents insurance helps save you money in case of the loss or damage of these items.

  • Theft: Theft coverage ensures you receive compensation for any items stolen from inside your RV.
  • Damage: If any insured items within the RV are damaged (not due to negligence), you can collect from your insurance company to repair or replace them.
  • Loss: In some cases where items have been lost, your insurer will help you replace them.

Emergency expense allowance

If your RV breaks down and you are stranded without amenities, emergency expense allowance should cover your immediate and basic needs.

  • Food: Most insurance companies will cover up to $100 per day for meals if your vehicle is stolen or damaged.
  • Lodging: In the event that you cannot stay in your RV as planned, you can collect emergency allowance for a hotel or similar accommodations.
  • Emergency transport: This emergency allowance covers you in case you need transportation to a hotel or repair station while away from home or your planned destination.

Full-timer coverage

Some people live in their recreational vehicles as their primary residence, in which case they are referred to as "full-timers."

  • Personal liability: Coverage for bodily harm and property damage with an accident that is the RV owner's fault.
  • Medical payments: Coverage for any necessary medical payments to others involved in an accident.
  • Loss Coverage: Coverage for amounts charged to the RV owner as part of an association.

Storage

Not everyone lives in their RV full-time. While your vehicle is parked at home or elsewhere and not in use, it is eligible for storage coverage.

  • Damage : While out of commission, your RV will still be covered for damage from fire, hail, flood and other accidents.
  • Suspended collision coverage: Save money on collision coverage and lower your monthly insurance payments while in storage.
  • Replacement coverage: If your vehicle is totaled while in storage, you're still covered for a full replacement.

Permanent attachments

RV owners love to customize their vehicles, often with permanent installations that require their own clause in the insurance contract.

  • Storage bins: These simply make more room available inside the RV, while non-essentials are packed inside.
  • Interchangeable hitch attachments: These parts make pulling rented trailers easier since they attach to a variety of hitch types.
  • Satellite dishes: Many people want the luxury of television while using their RVs. A satellite dish is usually covered with a “permanent attachments” clause.

What are different types of RV insurance?

Class A

Class A vehicles can be up to 75 feet long, such as modified buses, luxury coaches and motor coaches. They offer the most space and luxury out of all the RV classes and are ideal for vacationers or full-timers. Because their large size makes class A vehicles impractical for driving locally, most class A owners tow a vehicle behind their RV that can be used once they reach their destination.

Class B

Sometimes called "conversion vans" or "camper vans," class B vehicles were built using a cargo or camper van as the base. Usually, the roof is high enough to stand up inside, and they include amenities such as sleeping and cooking facilities, a bathroom with shower, refrigerator and heating/cooling.

Class C

Class C vehicles are basically a smaller version of class A vehicles. With sufficient living space including a bed and kitchen area, class C vehicles work well for vacationers. Families enjoy the additional sleeping space they can get out of a class C vehicle thanks to its cab-over bunk and back sleeping area.

Fifth wheel trailer

A fifth wheel (also called a “fiver”) is a popular choice for full-timers because of its expansive living space. A fifth wheel RV is considered the easiest and most stable type of RV to tow, however towing does require a truck with a hitch. Larger models can only be towed by a super-duty pickup, and the largest fifth wheels around will need to be towed by a medium-duty RV hauler.

Conventional trailer or toy hauler

Toy haulers have all the comforts of any other RV in the front with an additional garage in the back to store cargo, or toys, such as a motorcycle or ATV. These are available as either a fifth wheel or a travel trailer, so you can choose one that meets your cargo and living space needs.

Travel trailer

Travel trailers are non-motorized RVs, meaning they need to be towed to their destination. They are ideal for families of all sizes as there are models that can fit up to 10 people comfortably. Travel trailers are extremely versatile and can range from basic to luxury models, depending on how you plan on using yours.

Truck camper

Truck campers are ideal for people who already own a truck and don’t need a lot of space in their RV. They are easy to load on and off a pickup truck and many include amenities such as a shower and/or kitchen. Truck campers are a smaller model of RV, but if you need extra space you can get one with slide outs, which can significantly increase the amount of living space.

Tent trailer (pop-up trailer)

A tent or pop-up trailer is a smaller, less expensive camper that is easy to set up and haul. Unlike larger RVs, a tent trailer can be hauled by an SUV or even a car. They don’t have as many amenities as larger RVs, though most tent trailers have a sink, stove and ice box.

Park model RV (recreational park trailer)

A park model RV, also called a recreational park trailer, is a trailer-type of RV with an intended design for temporary use recreationally, such as for camping or seasonally. They are most often used in campgrounds and can be hauled to campgrounds by guests or rented out by the owners of a campground. Park model RVs are built according to RV standards, not housing standards, and are thus not meant to be used as permanent residences.

Sleeper unit trailer

A sleeper unit trailer is a convenient way for semi-trucks drivers to get the rest they need when they’re on the road. Models vary, but they tend to include space for sleeping, a kitchen, a bathroom and heating/cooling.

Teardrop trailer

A teardrop trailer is a pull-behind trailer that can be towed by an SUV or, in some cases, even a sedan. Off-roading options are available for the adventurous who want to tow their trailers anywhere their vehicles can go. These trailers generally sleep two to three people while still leaving room for clothes and other necessities. Larger models can also include a bathroom with shower. Teardrop trailers are perfect for small groups who want the convenience and comfort of an RV without needing to buy a large truck to tow it.

Horse trailer

As the name suggests, a horse trailer is made specifically to haul horses. These can range in size depending on how many horses you need to haul. A small horse trailer that only fits one or two horses can usually be towed by a pickup or SUV, while a large horse trailer that fits eight horses needs to be hauled by a one ton dually styled pickup.

Ice fish house trailer

An ice fish house trailer is designed specifically for ice fishing and offers protection from the elements. They can range from basic to luxury, depending on how you plan on using it. Some ice fish house trailers are constructed for basic protection from the cold, while others include amenities like a bed, stovetop and space for mounting a large screen television.

Who's it for?

Full-timers

People that use their RV as a full-time residence and mode of transportation. Whether they are freelancers, nomadic workers, Hollywood movie stars, professional sports superstars or families on the go, these people move regularly while living in their recreational vehicle.

Retirees

Retirees are often part-time residents of their RVs, which means they need specialized insurance.

Travelers

These people move sporadically from place to place to find new work or check out a new part of the country with their families or by themselves. They'll often find a home once they are in a new area.

Vacationers

Vacationers take advantage of their holiday time to travel and see new places before returning home at the end of the season.

Dealers

RV dealers, third-party RV sellers and RV leasing companies need to insure their inventory in case they experience partial or total loss.

RV Park Managers and RV homeowners’ associations

RV park and campground managers and homeowners’ associations may need protection in the same way that RV owners need to protect their RVs at a campground site.

What does the expert have to say?

  • Explorer RV Insurance Agency

    Explorer RV, an insurance agency, works with many highly rated insurance partners to find clients the best rate and policy. They've been in business since 1997 and have provided insurance packages for all types of recreational vehicles.

    • Best for Explorer RV Insurance Agency is best for full-timers, vacationers and retirees who use their RV often or all the time.

  • Good Sam Insurance Agency

    Good Sam Insurance provides specialized RV coverage under its VIP program. They also provide homeowners and vehicle insurance, the latter of which can be subsidized when insuring an RV simultaneously.

    • Best for Good Sam Insurance Agency is a great option for full-timers, travelers, vacationers and retirees since virtually all the bases are covered in a customizable policy.

  • RV America Insurance

    RV America, a top RV insurance agency in business since 1979, finds quotes from insurance companies through a close examination of your RV. The company factors additional options into the quote.

    • Best for RV America Insurance is best for first-time RV buyers or long-time owners looking for other options.

  • Blue Sky RV Insurance Program

    The Blue Sky RV Insurance Program, offered through Recreation Insurance Specialists, was created out of the need to reinvent specialty RV insurance to provide coverage beyond what is commonly referred to as “specialty” coverage.

    • Best for Blue Sky RV Insurance is best for avid RV enthusiasts and commercial RV entities such as LLCs, partnerships, trusts or corporations — manufacturers, dealers, lessors or lessees — in the RV business.

  • The Hartford RV Insurance

    The Hartford, a property and casualty insurance company in business for 200 years, has carved a niche in the market that is very well respected.  It’s affinity program with AARP makes this insurer particularly attractive to AARP members.

    • Best for The Hartford is best for vacationers, travelers, retirees and AARP members who will also be able to sign up for homeowners insurance.

  • Progressive RV Insurance

    Progressive Group of Insurance Companies began in 1937 and has been innovating within the industry ever since. The first insurer to provide a drive-in claims office, they were also the first to provide comparative insurance rates online.

    • Best for Progressive RV Insurance is best for full-timers, retirees, travelers and vacationers thanks to its great discounts and coverage.

  • Geico RV Insurance

    Geico, a well-known auto insurer, is a giant when it comes to online-based auto insurance products. Through Geico, you can insure your RV, car, motor home, camper trailer and other various types of vehicles.

    • Best for Geico's RV insurance is best for retirees, travelers and vacations who use their RV regularly.

  • Safeco RV Insurance

    Safeco Insurance has been in the industry since 1923. The company has a range of insurance products that include renter, life, home, auto and umbrella insurance.

    • Best for Safeco RV Insurance is best for retirees who have completed driver's safety courses. Also, for consumers who have insured other vehicles and property with the same insurance company.

  • Esurance RV Insurance

    Esurance is an online insurance platform from the auto and home insurance giant Allstate. Esurance specializes in providing a smooth online experience that lets you get a quote, sign up for insurance and make any claims totally online.

    • Best for Esurance RV insurance is best for people familiar with online buying and use their RVs part-time, such as vacationers, travelers and retirees.

  • National General RV Insurance

    National General is one of the top auto insurers in the US. The company offers commercial auto, RV, motorcycle coverage and more from a company with more than 60 years in the business.

    • Best for National General is best for full-timers, vacationers, retirees and travelers.

  • Nationwide RV Insurance

    Originally known as the Ohio Farm Bureau Federation, Nationwide was founded in 1926. In the 1930s the company began insuring drivers - now they provide many kinds of insurance, from life and automobile to small business and homeowners insurance.

    • Best for Nationwide RV insurance is best for non-full-timers such as travelers and vacationers.

  • National Interstate Insurance

    A specialist insurance company in the passenger, truck, moving and storage and RV business since 1989, National Interstates insurers bus conversions up to $2 million in many states along with liability limits up to $1 million.

    • Best for Passenger or truck transportation company with an RV-related subsidiary. Also, for a transportation company thinking of expanding into the RV market.

  • Foremost RV Insurance

    Foremost belongs to the Farmers Insurance Group of Companies and offers motorhome, fifth-wheel, travel trailer and luxury motor coach coverage in all states except Hawaii, Massachusetts and Washington, D.C.

    • Best for Foremost Insurance Group is best for full-timers, travelers, retirees and vacationers who like to purchase insurance through a Main Street agent.

11 – 13 Most Reviewed RV Insurance Companies