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Summary of RV insurance
Coverage for the open road starts with RV insurance. Protect your home away from home—whether it’s a motorhome, camper, or travel trailer—with affordable coverage designed to give you peace of mind wherever you go. Choose from liability, collision, and comprehensive protection, plus options for personal belongings, towing, and roadside assistance. With discounts, online tools, and 24/7 claims support, RV insurance makes it simple to enjoy every journey with confidence.
Types of RV insurance
Motorhome Insurance
Motorhome insurance includes coverages for Class A, B, and C motorhomes that meet state laws and protect your home on wheels inside and out.
Trailer Insurance
Trailer insurance covers a wide-range of non-motorized RVs, including conventional travel trailers, fifth-wheels, pop-up campers, and toy haulers. Additional coverage may be required for open-top trailers, such as utility trailers or flatbed trailers, or closed-top trailers, such as cargo trailers or horse trailers.
Fifth Wheel Insurance
Fifth-wheel insurance is a type of trailer insurance designed for 5th wheels, often covering specific features like the hitch assembly.
Full-Time RV Insurance
Full-time RV insurance provides additional coverage for trailers and motorhomes used as a permanent residence for more than half the year.
What you need to know about RV insurance
How to compare RV insurance quotes
Choose your coverage
Review your options for RV coverages, then decide how you want your RV to be covered in the event of a total loss. You can also choose optional personal effects coverage and/or emergency expense coverage.Consider your limits
Be sure to think about your personal finances when selecting a limit, which is the maximum amount the insurer will pay for a covered claim.Select your deductibles
Some RV insurance coverages come with a deductible, which is the amount you'll pay out of pocket toward a claim. It's important you select the same deductible on each coverage for every RV insurance quote you request.
Travel trailer and motorhome insurance that's customized for you
RV insurance typically covers the following types of homes-on-wheels:
- Towable RVs
RVs that don’t have their own engine must be towed when moving locations. These include folding camper trailers, conventional travel trailers, truck campers, fifth-wheel travel trailers, horse trailers with sleeping quarters and travel trailers with expendable ends. - Motorized RVs
Often called motorhomes, these self-reliant RVs do not need to be towed, are built on automotive frames and can sleep up to eight people.
Do you need insurance for your RV?
You're required to have insurance for your motorhome. Minimum liability requirements vary from state to state, with many states requiring you to have extra coverage for protection against uninsured or underinsured drivers.
Is insurance required for a travel trailer?
Generally, insurance is not required on trailers since liability coverage is typically extended to the trailer when attached to the vehicle towing it.
Tour your available RV insurance discounts
Save money for traveling with RV insurance. Enjoy discounts based on how you pay your bill if you own a home and more.
RV insurance FAQs
Check your state’s insurance laws before removing liability coverage on your RV. While some states allow storage without any coverage, others require the owner to turn in the RV’s plates if liability coverage is removed.
If there is a loan on your RV, check with your lender before removing collision coverage.
You may want to consider holding onto your comprehensive coverage year-round, even when your RV is not in use. It can help cover fire, theft, and other non-collision damages while your RV is in storage.
You should check with your lender to make sure you maintain the required coverage on your RV.
You may want to consider holding onto your comprehensive coverage year-round, even when your RV is not in use. It can help cover fire, theft, and other non-collision damages while your RV is in storage.
It depends. If you have comprehensive coverage on the RV and the roof is damaged by a covered peril, like a tree falling on the roof, there is coverage. But there is no coverage for general wear and tear or lack of maintenance. Depending on the state, we offer optional Roof and Pest coverages that provide additional protection.