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RV insurance finder
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Your RV is your pride and joy, your summer home, your ticket to the best road trips. We’ve made it easy to get great coverage for your next great American road trip by comparing hundreds of RV insurance quotes so you don’t have to. Find the right RV coverage to protect your RV on the road or in the park, with unbiased reviews on the best insurance for your RV.
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What's in this guide?
What are the types of insurance by RV size?
RV insurance protects your camper, motorhome or fifth wheel from damage on the road and on the campsite. Similar to both car and home insurance, RV insurance covers both your personal belongings and damage to your RV.
Class A
- This is the biggest, most expensive type of RV to insure, often as large as a bus.
Class B
- Camper vans are the smallest and cheapest class of RV to insure.
Class C
- Mid-size mini motorhomes or cab-overs have mid-range insurance rates.
How do I get cheap RV insurance?
The average cost of RV insurance is $1,000 to $2,000 a year, or $125 a month. A basic liability only policy could start at only a few hundred dollars a year. Your RV insurance premiums will vary depending on the value of your RV, how you’re using it and which insurance company you go with, so get RV insurance quotes from a range of providers to check prices.
Here are some ways to bring down the cost of insurance:
👍🏻Get the right level of coverage. Only pay for coverage you need with limits that are high enough to replace your RV.
💰Shop for discounts. You can save on RV insurance with discounts — including safe driver, bundling, paying upfront and more.
🔑Add security. RVs with security systems like cameras, light sensors and alarms have lower risk and lower premiums.
🚐Reduce unnecessary trips. If you’re hitting the road regularly, your premiums will be higher than seasonal road trippers.
💳Buy a less expensive RV. Big, shiny new RVs cost more to insure than an older or used RV.
What does RV insurance cover?
| 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’re injured in a car crash and can’t work. |
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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. |
|
How does RV insurance cover my personal belongings?
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, DVDs, clothes, entertainment systems, televisions, personal belongings, furniture, furnishings, jewelry, tools and more.
Similar to home insurance, some RV insurance companies offer add-ons for a higher level of coverage for your RV contents, or increasing the insured limit for specified valuable items.
What extra coverage should I consider?
- Pet injury coverage. Pet owners who travel or live with pets can get coverage for pet injuries after a vehicle accident, typically up to $2,000 per incident.
- Vacation liability. Covers liability damage if someone is injured because of your RV, like at an RV campground.
- Other vehicles. The golf cart you use at the campground or the kayak for beach and lake trips can get added to your RV policy.
- Trip interruption. Reimburses you for extra expenses when you have to change your travel plans after an accident.
How much RV coverage do I need?
Consider these factors carefully when comparing touring or static RV or camper trailer insurance quotes.
- How much is your RV worth? Consider how much it would cost to repair or replace your RV following an insured event and make sure your total coverage maximums can cover the costs. If your RV is brand new, you’ll probably want a policy that offers new RV replacement. Owners of older RVs should do a little research to determine the market value of their RV.
- How much do you use your RV? Plan for how many road trips you’ll take, what kind of terrain you’ll face and how far you’ll be going. Typically, more use means more coverage needed.
- What risks do you need your policy to cover? Liability is almost always required, while adding collision is generally a good idea. You can also add other coverage on top of those two. You might want coverage for roadside assistance in case of a breakdown if you take many road trips. If you travel with expensive belongings, consider adding contents coverage. If you stay at campgrounds, comprehensive covers you for fire, theft or vandalism.
What RV insurance exclusions should I be aware of?
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:
- Old damage or faulty repairs
- Tires popping, breaking or bursting
- Rust, corrosion, gradual deterioration or wear and tear
- Mechanical, structural or electrical failure
- Faulty design or workmanship
- Depreciation
- Fusion of electric motors
- Any item that explodes
- Any item with leaking liquid
- Water damage except during storms
- Landslide or erosion except during storms
- Mold or extreme temperatures
- Falling tree
- Vermin, rodents, insects or birds
- Legal impound
- International driving
- Failure to secure your RV after an accident
- Unlawful use of the RV
- Towed vehicles and trailers
- Travel outside the US
How to keep your RV safe
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.
Does my tiny house need RV insurance?
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.
Types of tiny house insurance to consider adding to your policy
- Liability
- Collision
- Comprehensive
- Contents coverage
- Medical payments
Driving, storing or living in your RV
You can adjust the coverage on your RV based on whether or not you’re currently using it to travel.
Insuring a stationary RV
If you’re storing your RV or leaving it parked for a significant length of time, you can reduce your coverage to save money. While you’ll generally still need liability, comprehensive and contents coverage, you can probably get rid of your collision or towing coverage.
Insuring an RV on the road
If you’re planning on taking your RV out on the road, you’ll need to make sure it has liability coverage. Consider adding collision and comprehensive coverage so that it’s fully insured. Vacation liability coverage covers property damage and bodily injury while your RV is parked at a campground or RV park.
Insuring an RV you live in
If you live in your RV, your policy might look more like a mixture of home-owners, renters and car insurance. And while your RV coverage might include liability coverage, you may consider personal liability for injuries that occur in or around your RV when it’s parked.
RV vs car insurance
RV coverage has a lot in common with home and auto policies, but not everything’s the same. Compare the differences between RV and car insurance to help you pick the best policy.
RV insurance
- Costs $1,500/year on average
- Required if it’s drivable
- Covers liability, collision and other events
- Protects personal belongings
- Add-ons for medical bills, pets and more
- Seasonal policies standard
Car insurance
- Costs $1,300/year on average
- Required in most states
- Covers liability, collision and other events
- Personal belongings not always covered
- Add-ons for medical bills, pets and more
- Seasonal policies rare
Bottom line
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.
Questions about RV insurance
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