Coverage for the journey
RV insurance for wherever you roam.
Protect your home on wheels with coverage designed for RV owners and full-timers.
From motorhomes to travel trailers, we've got you covered.
Talk to an insurance guide
Licensed pros walk you through quotes, discounts, and next steps in minutes.
RV Insurance 101
What does RV insurance cover?
RV insurance combines aspects of auto and home insurance. It covers your vehicle (collision and comprehensive), liability, personal belongings inside, and may include vacation liability and campsite coverage.
Full-time RVers may need additional coverage similar to homeowners insurance. Options vary by RV type - motorhomes typically need more comprehensive coverage than towable trailers.
How it works
Getting covered is easier than you think
Whether you're buying your first policy or switching providers, we make it simple to find the right coverage at the right price.
Step 1
Describe your RV
Tell us about your RV type, how often you travel, and if you're a full-timer.
All RV types covered
Step 2
Compare RV policies
See options from insurers who specialize in recreational vehicles.
RV specialists
Step 3
Hit the road
Choose your coverage and get your insurance card instantly.
Coverage starts today
Key decisions
Everything you need to make the right choice
Learn how rv insurance works, discover ways to save, and get the protection you need—all without the headache.
Total loss replacement
Some policies replace your RV with a new one if totaled within the first few years.
Vacation liability
Liability coverage that follows you even when parked at a campsite.
Emergency expenses
Coverage for lodging and transportation if your RV breaks down on a trip.
Guided help
Real people ready to help when you need it
Our licensed insurance agents work with local agencies across the country. They understand your state's requirements, know how to find discounts, and can turn confusing insurance-speak into plain English.
- Understanding differences between RV and auto coverage
- Finding the right coverage for full-timers vs. occasional use
- Explaining total loss replacement options
- Help with vacation and emergency expense coverage
Prefer online? Start there and call us whenever you're ready for help.
Questions?
Common questions about rv insurance
Can I use my auto insurance for my RV?
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Motorhomes (Class A, B, C) need RV-specific insurance because they include living quarters. Travel trailers and fifth wheels can sometimes be added to auto policies, but dedicated RV coverage is better because it covers contents, attachments, and full-timer needs.
What's full-timer coverage?
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Full-timer coverage is for people who live in their RV full-time or more than 150-180 days per year. It provides liability and personal property coverage similar to homeowners insurance since the RV is your primary residence.
Does RV insurance cover my belongings inside?
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Yes, most RV policies include personal effects coverage for belongings inside your RV. Limits vary ($3,000-$10,000+ depending on your policy). Full-timer coverage typically offers higher limits since the RV is your home.
Ready to see how much you can save on rv insurance?
Get personalized quotes in minutes. Our licensed agents are standing by to help you find the best rate.
RV Insurance guides and resources
Dive deeper into rv insurance topics with our in-depth guides and comparisons.
RV Insurance Requirements
What RV insurance is legally required? Learn state minimums, lender requirements, and expert-recommended coverage for motorhomes and travel trailers.
Read moreHow Much Does RV Insurance Cost?
RV insurance costs $500-$1,500/year on average. Learn how RV class, full-time vs recreational use, and location affect your premium. Get accurate pricing.
Read moreFull-Time RV Insurance
Living in your RV full-time? Learn why standard RV insurance isn't enough. Complete guide to full-timer coverage, costs ($1,500-$4,000/year), and what's covered.
Read moreRV Insurance: Complete Guide
Complete guide to RV insurance for motorhomes and travel trailers. Learn about specialty coverage, full-timer policies, costs, and how to save money.
Read moreMotorhome vs Travel Trailer Insurance
Motorhome insurance averages $1,052/year vs $594 for trailers. Learn coverage differences, liability requirements, and costs for Class A/B/C RVs.
Read moreReferenceInsurance Glossary
Learn common insurance terms and definitions to better understand your coverage options.
Read moreExplore other insurance coverage
Many customers who bundle coverage find they save money. Compare quotes to see what works best for you.