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Whether it’s on the road, parked at your home or at a camper park, recreational vehicle (RV) insurance can keep your rig protected from damage, theft, fire and other potential losses. Many providers will also cover the contents of the RV so your belongings remain protected.
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
The cost of RV insurance varies depending on the value of your RV and how you’re using it. It also varies between providers, so get RV insurance quotes from a range of providers to check prices. Here are some ways to bring down the cost of insurance:
Make sure you’re not paying for unnecessary coverage but you have enough to replace your RV in a worst case scenario.
You can save on RV insurance with discounts — including safe driver, bundling, paying upfront and more.
RVs with security systems have lower risk and lower premiums. Security features include cameras, sensor lighting and alarms.
If you’re hitting the road regularly, your premiums will be different from someone who keeps their RV parked in the same spot all year round.
How much your RV is insured for will determine what your premiums look like. Shiny new RVs cost more to insure than an older one.
Depending on the policy and coverage you select, you could be protected from the following:
| What’s covered | Coverage type |
|---|---|
| Someone runs into your RV. |
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| You damage someone’s car or property. |
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| You hit another car and the driver or passenger is injured. |
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| You’re injured after an accident. |
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| Someone steals or damages your RV. |
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| Your RV is damaged from a fire or storm. |
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| You run into a tree. |
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| The TV in your RV is stolen. |
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| Your RV breaks down and needs to be towed. |
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| You won’t be using your RV for a few months and want to pause your insurance. |
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The type of coverage that protects the personal belongings in your RV is called contents coverage. Contents coverage can include coverage for loss or damage to carpets, household goods, CDs and DVDs, clothes, entertainment systems, televisions, personal belongings, furniture, furnishings, jewelry, tools and more, as well as food spoilage following an insured event.
Some insurance providers offer the option of taking out a higher level of coverage for your RV contents or increasing the insured limit for specified valuable items. You’ll need to pay extra to take advantage of this option.
You’ll need to take several factors into account in order to determine the right level of coverage for your situation. Consider these carefully when comparing touring or static RV or camper trailer insurance quotes.
It’s important to be aware of what your RV insurance won’t cover so you can avoid a denied claim or paying for damage out of pocket. Typically RV insurance won’t cover damage related to:
Avoid making a claim or risking your RV and your belongings with a few helpful tips to protect your RV.
✅ Lock it up. Invest in security devices such as wheel clamps or hitch locks to reduce the risk of thieves hooking your RV up to their vehicle. You may also want to install a tracking device.
✅ Security matters. Install security alarms to further deter thieves. A security camera or system could also be a good idea.
✅ Hide your valuables. To ensure that your RV isn’t an attractive target for thieves, hide your valuables so they can’t be seen from the outside.
✅ Get photographic evidence. Take photos of the inside and exterior of your RV that you can provide as proof to your insurer following theft or malicious damage.
✅ Join a club. If you regularly travel with the other members of an RV club or group, you can enjoy safety in numbers and may also be able to take advantage of insurance discounts.
You’ll typically need homeowners insurance if your house isn’t mobile and is on a permanent or semi-permanent foundation. You may be able to get coverage through a traditional homeowner’s policy or a manufactured or mobile home insurance.
If your tiny house is on wheels, most states require you to carry vehicle insurance while on the road. A full-timers RV insurance policy would be a first option to consider, since it covers you while on the road and while parked. Many insurance providers will cover a tiny house under an RV policy, as long as it’s built by a RIVA (Recreation Vehicle Industry Association) certified builder. If your tiny house is a DIY project, you’ll need to look into specialty insurance.
If your tiny home is financed, the lender will likely require you to carry insurance, whether it’s mobile or stationary.
Protecting your RV with the right insurance is essential, and so is knowing how to navigate the nuances of your coverage. Compare your policy options to find the coverage you need to relax and explore America in style.
