Coverage for the open road
How to compare RV insurance quotes
Choose your coverageReview 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 limitsBe 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 deductiblesSome 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 your money for your traveling on RV insurance with Allstate. 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.