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The typical cost of RV insurance is $1,000 to $2,000 a year, or $83 to $167 a month. This cost is based on our analysis of insurers and information from the Virginia Bureau of Insurance.
However, a liability-only policy may start at only a few hundred dollars a year. RV insurance premiums vary based on your RV’s value, how you’re using it and which insurance company you choose.
The best way to save money on RV insurance is to get quotes from a range of insurers to compare prices. You can also bring down the cost with these tips:
Consider these factors when comparing RV or camper trailer insurance quotes.
RV insurance can cover a variety of situations, including:
What’s covered | Coverage type |
---|---|
You back into another car and damage your RV |
|
You damage someone’s car or property |
|
You hit another car and injure the driver or passenger |
|
You’re injured after an accident |
|
Someone without insurance crashes into your RV |
|
Your RV is damaged from a fire or storm |
|
You’re injured in an RV accident |
|
The TV in your RV is stolen |
|
Your RV breaks down and needs a tow |
|
You won’t use your RV for a few months |
|
Your pet is injured during a vehicle collision |
|
Your campground golf cart is run over |
|
A flat tire keeps you at the campground for extra days |
|
Your RV is damaged while at an RV park |
|
Your brand new RV is totaled or stolen |
|
A trailer may be covered — or partly covered — by the insurance policy of the vehicle that tows it. Specifically, your RV or car insurance typically extends liability coverage to any damage caused by your trailer during a drive.
If the trailer isn’t covered or you want to protect the trailer itself from physical damage, you’ll need to add trailer insurance to your RV or car insurance policy. Trailer insurance is different from RV insurance.
Like home insurance, RV insurance companies offer add-ons like contents coverage for wider protection, or they may increase the policy limit for some valuables.
Contents coverage can help cover lost or damaged personal belongings, including rugs, household goods, DVDs, clothes, entertainment systems, televisions, furniture, jewelry or tools.
Or you can cover personal belongings in your RV if you have home insurance coverage or a renters insurance policy. This is a good option if you don’t live in your RV full time. Most home insurance policies include off-premises coverage for items damaged or stolen while they’re not in your home.
If your tiny house is on wheels, most states require you to carry insurance while you’re on the road. A full-timers RV insurance policy would be the first option to consider since it covers you while on the road and while parked.
Many RV insurers will cover a tiny house as long as it’s built by a builder certified by the Recreation Vehicle Industry Association. If your tiny house is a DIY project, look into specialty tiny house insurance companies.
You may need homeowners insurance or a mobile home policy if your house isn’t mobile and is on a permanent or semipermanent foundation. If your tiny home is financed, the lender will likely require you to carry insurance, whether it’s mobile or stationary.
The coverage you need depends on factors like your RV’s age, how you use it, how often you use it and whether you drive it or not.
For example, if your RV is your full-time home, you might want more coverage for your belongings or total loss replacement coverage, while tow-behinds like popups, travel trailers or fifth-wheels might be fine with add-on coverage through your car insurance policy.
Insurance companies like to reward its loyal customers and less risky drivers with these discounts.
To avoid a denied claim, stay aware of what your RV insurance won’t cover:
Protecting your RV with the right insurance and navigating your policy’s fine print is essential. Compare your insurance policy options to find the coverage you need to relax and explore America in style.
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