RV Insurance – What it Is, Types, Cost, and Coverage

If you use a motorhome for vacations or as your primary residence, securing RV insurance is imperative. This insurance ensures your financial responsibility in the event you cause an accident resulting in losses for another driver. Additionally, optional policies are available for covering your RV against damage, theft, and breakdowns. Traditional auto insurance doesn’t cover motorized or self-powered RVs. RV insurance is legally required for proper coverage in these instances.

RV Insurance - What it Is, Types, Cost and Coverage

However, when towing a camper or travel trailer, your auto insurance usually covers the towed RV, including pop-ups and fifth wheels. Understanding RV insurance involves knowing what it covers, its cost implications, and the variety of policies offered by insurance companies specializing in RV coverage.

What is RV insurance?

RV insurance is a type of insurance that provides coverage for your RV. It is designed to protect you financially if you cause an accident and another driver suffers losses.

Prominent car insurance providers such as Allstate, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, and State Farm offer insurance for recreational vehicles (RVs). Additionally, several insurance companies specializing in this coverage also provide suitable policies.

Types of RV Insurance

Here are some of the types of Recreational vehicle insurance highlighted:

Full-time RV insurance

Meanwhile, Full-time Recreational vehicle insurance is tailored for those living in their RVs year-round, requiring coverage for at least six months annually. Full-time coverage generally includes:

  • Complete coverage involves both comprehensive and collision coverage for your RV. These two types of coverage, commonly bundled together, assist in covering the costs of repairing or replacing your vehicle in case of theft or damage resulting from incidents such as car accidents, fire, flood, falling objects, hail, or vandalism.
  • Personal liability protection is included to cover expenses related to property damage and bodily injuries unintentionally caused to others by you.
  • Medical payment coverage is incorporated to aid in covering injuries that occur in or around your RV.
  • Loss assessment coverage is provided to contribute to association fees if your RV is parked in a location with an association responsible for making repairs to common areas.

Part-time RV insurance

Part-time RV insurance, often referred to as recreational RV insurance, is tailored for individuals who do not use an RV as their permanent residence.

This type of coverage encompasses vacation liability coverage, assisting with injuries and damages occurring in or around your RV during short trips. Additionally, there’s an option to acquire supplementary coverage, similar to what is available in full-time RV coverage, as an additional layer of protection.

How Much Does It Cost?

According to Trusted Choice, an organization for independent insurance agents, the average annual cost of RV insurance is around $1,500. In addition, it can be as affordable as $200 per year, while full-time RV insurance may reach up to $3,000 annually.

The expense of Recreational vehicle insurance varies based on factors such as:

  1. Whether the RV is new or used.
  2. Your location.
  3. The purpose of using the RV (road trips or residence-on-the-road).
  4. The type of RV you own.

When purchasing Recreational vehicle insurance, the insurer considers the RV class: A, B, or C. Class A: large, bus-like motorhomes; Class B: smallest, van-sized motorhomes; Class C: in-between size.

Moreover, RV insurance premiums vary ($200–$2,000 annually). Like auto insurance, it includes deductibles (e.g., $500–$1,000) subtracted from claim payouts.

What Does RV Insurance Cover?

RV insurance typically mirrors the coverage options available for your regular automobile.

Liability Insurance

It compensates others for injuries or property damage caused by you. It also covers the expenses associated with your legal defense in case of a lawsuit.

Comprehensive Coverage

It covers the cost of vehicle theft or damage caused by weather-related incidents, fire, vandalism, falling objects, and encounters with wild animals.

Collision Coverage

It takes care of the expenses incurred for repairing damage to your vehicle resulting from a collision with another vehicle or an impact with objects such as trees or utility poles.

Roadside Assistance

Roadside assistance is a service that includes essential RV repairs, such as changing a flat tire, delivering fuel, or providing a new battery. This coverage ensures support for common roadside issues, offering RV owners convenience and peace of mind.

Personal Belongings

Certain insurance companies offer personal belongings endorsements as an additional option. This coverage protects the items inside your RV in the event of damage or theft, providing financial assistance for the replacement or repair of personal belongings.

Permanent Attachments

RV owners with permanent attachments (e.g., porches) can get an endorsement for extra protection specifically covering these added features. This endorsement ensures extra coverage for the permanent attachments you’ve installed on your RV.

Vacation Liability Insurance

It is a policy designed for RV owners who use their vehicles for vacations. Enhance liability protection for parked RVs in campgrounds with specialized coverage, boosting overall protection during leisure trips.

While RV insurance may not be mandatory, having it is advisable. Insurance protects your finances in accidents, covering lawsuit expenses. Personal injury protection specifically helps with injuries to you and your passengers.

Who Needs Recreational Vehicle Insurance?

Anyone who uses an RV for vacations or as a full-time residence needs this insurance. It is a legal requirement for motorized and self-powered RVs.

In addition, Recreational vehicle drivers are typically obligated to carry liability insurance, and the minimum requirements for RVs often align with those for cars. To ensure you have the appropriate camper insurance, it’s crucial to familiarize yourself with your state’s insurance laws and coverage mandates.

Safeguard your investment by considering additional coverage options tailored for specialty vehicles such as RVs and travel trailers.

What Affects the RV Insurance Rate?

Insurance companies consider several criteria when determining your RV insurance premium. Some of the factors that can influence your premium include:

  • Place of residence
  • Category of recreational vehicle
  • Age of the RV
  • Varieties of insurance protection
  • Limits of Coverage
  • Insurance deductibles
  • Record of filed claims
  • Driving background
  • Purpose of the RV
  • Experience in operating an RV

These factors collectively help insurers assess the level of risk associated with insuring your RV and determine the appropriate premium based on that risk.

How To Apply For RV Insurance

When collecting quotes for recreational vehicle insurance from various companies, it’s crucial to ensure consistency by selecting identical coverage, limits, settlement options, and deductibles for each quote.

This approach guarantees an accurate and meaningful comparison among the different insurance offerings.

Select Coverage

Evaluate the available RV coverage options and determine how you’d like your RV to be protected in case of a complete loss. Additionally, consider optional coverages such as personal effects coverage and emergency expense coverage based on your preferences and needs.

Consider Finances

When selecting coverage limits, assess your financial situation. These limits indicate the maximum amount insurers will pay for covered claims. It’s important to align this limit with your financial capacity and protection requirements.

Choose your Deductibles.

Certain Recreational vehicle insurance coverage involves a deductible, representing the amount you are responsible for covering out of pocket for a claim. Also, ensure accurate insurance comparisons by maintaining consistency in deductible selection across all coverages when obtaining these insurance quotes.


Securing Recreational vehicle insurance is essential for individuals utilizing an RV for either recreational trips or as their primary residence. Furthermore, RV insurance provides financial security for accidents, theft, or damages. Costs vary based on RV type, usage frequency, and driving history.